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Missouri Auto Insurance Review (Coverage, Rates, & More)

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UPDATED: Mar 18, 2020

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Missouri SummaryStatistics
Miles of Roadway131,549
VehiclesRegistered: 5,406,274
Stolen: 16,999
Population6.11 Million
Most Popular VehicleFord F-150
Uninsured Motorists14%
Rank: 17th
Driving Related DeathsTotal: 930
Speeding: 346
DUI: 254
Average Annual PremiumsLiability: $415.88
Collision: $275.28
Comprehensive: $181.27
Cheapest ProvidersAllied P&C
USAA

Admitted into the union in 1821; Missouri, bordered by eight different states, lies in the center of America. Now home to over 6 million people, Missouri is the 18th most populated state in the U.S.

The home to cities like St. Louis and Kansas City, the state is where north meets south and east meets west.

In the south of the state lies the Ozarks — a large area of land that is known for its timber and recreational activities. Covering about 47,000 square miles, the Ozarks stretches through Missouri, ArkansasOklahoma.

Missouri is also known to be the birthplace of many of the most excellent musicians, artists, and writers the world has ever seen. The country of Samuel Clemens, better known as Mark Twain resided from the great state.

Musicians include Tina Turner the Queen of Rock, Chuck Berry one of the best guitarists to ever live, Sheryl Crow, and Michael McDonald.

With population and average household income on the rise, Missouri is moving in the right direction. With a bright past and a brighter future, you can assure the Show-Me State will treat you right.

Within this article, you’ll find facts about the state of Missouri and all the data you need about auto insurance in the country. From rates, and coverage to laws, and culture.

If you’ve lived in the state all your life or moved last week, this article will prepare you to do that pesky car insurance shopping. Insurance can be a miserable game, but we’re here to help.
Start comparing insurance rates today with our FREE tool above.

Table of Contents

Missouri Car Insurance Coverage and Rates

As a state, Missouri is priced relatively when it comes to auto insurance. At an average annual rate of $3,333.60, it is lower than most states in the nation.

Missouri follows the traditional “at-fault” system when it comes to responsibility for losses stemming from a car accident. This includes damage, injury and any other occurrence.

At-fault car insurance means that the person who was at fault for causing a car accident is also responsible for any ensuing harm.

The at-fault driver’s insurance carrier will absorb these losses, up to policy limits; but after that, it comes straight out of the pocket of the at-fault driver for bodily injury, vehicle damage, etc. This is the most common and much more straightforward system compared to the “no-fault” system.

No-fault insurance means that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum for any injuries that occur.

Uninsured motorist coverage can protect you if the at-fault driver has no insurance. Missouri requires uninsured motorist coverage of $25,000 in bodily injury per person and $50,000 in bodily injury per accident.

Information and data do not stop when it comes to auto insurance. This is why seeing it in it’s purest form is essential. Understanding the inner-working of your state’s insurance requirements can save you a ton of money; let us face it who doesn’t want more money?

In the following article, you will find all the information you need to start the buying process. Skip the hours of searching google to see what’s best, read this article, and you will leave with the knowledge needed to decide on insurance in Missouri.

Missouri Car Culture

Driving cars has been part of America’s history for a long time. Since the beginning of Henry Ford to the 200 miles an hour race cars of today. In every state, there is a rich history of the types of cars that have blessed the roads. Missouri has had a glorious past and continues to do so.

The most popular thing to do for car enthusiasts is building their classic cars and showing them off in the summer at the Lake of the Ozarks. According to Hartford, a popular insurance magazine, Missouri has plenty of classic car lovers.

Perhaps the most exciting draw of the state’s cars is old Route 66. Traveling through St. Louis and Springfield the historic road that was built in 1926, is at the forefront of American driving history. In Missouri, people flock to it to celebrate the rich past and make it their own.

Missouri Minimum Coverage

In Missouri, no owner of a motor vehicle registered in the state may operate a vehicle unless the owner maintains the required liability coverage and uninsured motorist coverage. Auto insurance policies in the state must contain at least the following:

  • $25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
  • $10,000 for property damage per accident caused by the owner/driver of the insured vehicle

Carrying auto insurance at these levels, or higher is the easiest way to make sure you comply with Missouri mandatory minimum auto insurance laws.

What all this means for you, is that in the case of an accident you will need coverage. These laws are requirements intended to help you and other drivers stay safe on the road.

Forms of Financial Responsibility

Every driver of a motor vehicle must carry evidence of financial responsibility in his or her motor vehicle at all times. This proof shows that you can pay for what is needed in the case of an accident.

In most cases, this is, simply, your proof of insurance. Bills from the DMV for minimum coverage payments are accepted and a few others.

The most important thing to remember in Missouri is having some kind of financial responsibility recognition in your car. The state is infamous for cracking down on uninsured motorists. Missouri does allow electronic proof of insurance as well, which makes it even easier for you to provide your proof of insurance.

Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance. This results in unpaid damage claims and higher insurance premium rates for all Missourians.

Premiums as a Percentage of Income

Knowing what you’re spending on car insurance compared to your overall salary is a great tool for figuring out the right rate for you and your family.

Missouri PremiumFull Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
Stats$845.39$36,690.002.30%$819.79$35,616.002.30%$799.14$35,958.002.22%

The chart above shows the percentages spent on auto insurance of the average annual income of people in Missouri. From 2012 to 2014, Missouri was ranked 28th in the nation for the amount spent on auto insurance premiums. In 2014, residents spent 2.30 percent of their income on car insurance.

These numbers are dead in the middle of the rest of the nation.

In general, Missouri doesn’t pay too much for car insurance, but their average annual disposable income is less than some of the rest of the nation; therefore landing them dead in the middle of the field.

If you’re ready to figure out some prices for your information, the insurance calculator below can give you a quote based on your background information.

CalculatorPro

Core Coverage in Missouri

Coverage TypeAverage Cost in MissouriAverage Cost Nationwide
Liability$415.88$538.73
Collision$275.28$322.61
Comprehensive$181.27$148.04
Total (Full Coverage)$872.43$1,009.38

Core coverage includes the parts of your policy that is considered full coverage. These three parts are a liability, collision, and comprehensive. Combined the three make up full coverage auto insurance which will keep you protected in every situation you may encounter on the road.

In 2015, Missouri was around $150 cheaper than the rest of the nation. That is a remarkable statistic for the state. Any time an overall average is that much lower than the country, you will always have a competitive rate.

Additional Liability

Additional liability refers to extra coverage you can add on to your insurance to be sure you have all the protection you may need. As mentioned before, Missouri has an issue with uninsured motorists. For this reason, they require, by law, for drivers to purchase uninsured motorist insurance.

Missouri is ranked 17th in the nation with a total of 14 percent of cars on the road being uninsured. Extra protection may help you and your family.

Loss ratios aren’t a well-known factor among buyers, but if you know the facts, they can be very important in helping you understand auto insurance better.

A loss ratio that’s too high means that insurance companies are paying out too much in claims – if the rate climbs over 100 percent they are paying out more than they’re taking in. If the company’s loss ratio is too low, it means they aren’t paying out any claims.

Both of these are important to you knowing the inner workings of the auto insurance company you choose.

Add-ons, Endorsements, and Riders

There are many different types of extra insurance coverage that you can add to your core coverage in Missouri. These are meant to help you ease your mind on the road.

Purchasing any of these extra add-ons may keep you very protected on the road. While minimum coverage is all you need and may save you a buck or two, having extra insurance will keep you safer the more you purchase.

Male vs. Female vs. Age Rates in Missouri

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,837.73$2,745.70$2,554.13$2,634.98$7,907.03$8,568.17$2,716.60$2,804.86
American Family Mutual$2,149.34$2,149.34$1,913.91$1,913.91$5,870.28$7,634.60$2,149.34$2,514.45
Farmers Ins Co$2,371.17$2,364.03$2,117.42$2,242.40$9,764.18$10,105.80$2,703.97$2,828.55
GEICO Cas$1,900.51$2,128.97$1,478.32$1,889.46$5,917.54$6,266.65$1,744.68$1,756.44
Safeco Ins Co of IL$2,721.34$2,950.25$2,240.72$2,513.42$9,379.72$10,416.74$2,867.37$3,059.82
Allied P&C$1,502.66$1,534.92$1,344.89$1,424.62$3,832.35$4,908.75$1,717.22$1,857.41
Progressive Casualty$2,112.60$1,960.45$1,728.12$1,780.37$6,864.63$7,708.61$2,572.89$2,625.46
State Farm Mutual Auto$1,696.91$1,696.91$1,517.71$1,517.71$4,878.94$6,150.91$1,907.72$2,176.45
USAA$1,551.68$1,539.81$1,394.40$1,421.78$4,594.51$5,616.45$1,934.27$2,153.35

Age is one of the most important factors when it comes to companies determining their auto insurance rates. Teenagers are high-risk drivers that get charged heavily simply based on their inexperience. Older people get charged the least in every city and every state due to how long they’ve been on the road.

Traditionally, the stereotype is that women get charged less for auto insurance. While at times this is still true in some areas, in Missouri it is not. Women pay less than men on occasion and men pay less than women on occasion.

Age has much more of a pull on rates than gender does. Teens are more likely to be in an accident, receive a citation, and speed than any other age. Because of this, they are always charged a great deal more than any other age group. The more experience you have on the road, the better.

Cheapest Rates By Zip Code

Another critical factor in determining rates is the zip code you live in.

They take into account the poverty rates, crime rates, thefts, etc. in each zip code. They use these tools because they can decide how big of as risk you may be as a driver if you live in a certain area.

CityZip-CodeAverage Rate
SAINT LOUIS63120$5,220.97
SAINT LOUIS63113$5,219.91
SAINT LOUIS63115$5,177.26
SAINT LOUIS63107$5,156.22
SAINT LOUIS63147$5,131.13
SAINT LOUIS63106$5,071.81
SAINT LOUIS63118$4,941.63
SAINT LOUIS63137$4,931.78
SAINT LOUIS63136$4,907.41
SAINT LOUIS63112$4,867.49
SAINT LOUIS63111$4,798.75
SAINT LOUIS63116$4,776.27
SAINT LOUIS63101$4,769.06
SAINT LOUIS63102$4,749.36
SAINT LOUIS63138$4,737.81
SAINT LOUIS63103$4,717.32
SAINT LOUIS63108$4,689.62
SAINT LOUIS63155$4,688.52
SAINT LOUIS63104$4,597.70
SAINT LOUIS63110$4,573.32
KANSAS CITY64124$4,527.14
KANSAS CITY64127$4,516.26
KANSAS CITY64123$4,501.38
KANSAS CITY64128$4,498.89
SAINT LOUIS63121$4,496.11
KANSAS CITY64109$4,475.44
KANSAS CITY64130$4,458.72
SAINT LOUIS63109$4,381.62
SAINT LOUIS63133$4,380.21
SAINT LOUIS63139$4,372.31
KANSAS CITY64132$4,327.40
SAINT LOUIS63135$4,323.89
FLORISSANT63033$4,323.75
SAINT LOUIS63140$4,307.20
KANSAS CITY64120$4,280.29
KANSAS CITY64125$4,272.66
FLORISSANT63034$4,270.14
SAINT LOUIS63134$4,217.00
SAINT LOUIS63105$4,200.08
FLORISSANT63031$4,158.74
KANSAS CITY64106$4,142.76
KANSAS CITY64126$4,117.53
HAZELWOOD63042$4,100.07
KANSAS CITY64102$4,093.24
KANSAS CITY64101$4,074.04
KANSAS CITY64110$4,033.86
SAINT LOUIS63130$3,978.05
KANSAS CITY64105$3,928.94
KANSAS CITY64111$3,924.30
KANSAS CITY64108$3,916.58
SAINT LOUIS63125$3,912.51
KANSAS CITY64129$3,908.93
SAINT LOUIS63117$3,908.89
INDEPENDENCE64053$3,903.50
SAINT ANN63074$3,891.60
SAINT LOUIS63143$3,881.90
SAINT LOUIS63129$3,879.40
SAINT LOUIS63132$3,860.85
KANSAS CITY64112$3,848.36
SAINT LOUIS63114$3,839.35
CEDAR HILL63016$3,828.32
KANSAS CITY64134$3,823.42
KANSAS CITY64131$3,805.27
LUEBBERING63061$3,791.75
KANSAS CITY64113$3,783.59
INDEPENDENCE64050$3,780.33
SAINT LOUIS63127$3,778.93
KANSAS CITY64137$3,778.65
KANSAS CITY64138$3,774.85
SAINT LOUIS63124$3,772.07
CATAWISSA63015$3,763.88
DITTMER63023$3,763.22
SAINT LOUIS63119$3,755.88
SAINT LOUIS63123$3,754.35
SAINT LOUIS63146$3,753.29
HIGH RIDGE63049$3,751.93
HILLSBORO63050$3,750.56
ARNOLD63010$3,747.88
LONEDELL63060$3,743.79
KANSAS CITY64133$3,740.47
ROBERTSVILLE63072$3,740.19
HOUSE SPRINGS63051$3,734.31
BRIDGETON63044$3,733.09
INDEPENDENCE64052$3,729.23
LIGUORI63057$3,727.60
MORSE MILL63066$3,724.34
EARTH CITY63045$3,721.84
GLENCOE63038$3,719.75
MAPAVILLE63065$3,715.77
KIMMSWICK63053$3,709.44
BARNHART63012$3,707.35
SAINT LOUIS63144$3,706.14
GROVER63040$3,705.75
SAINT LOUIS63126$3,705.68
BALLWIN63021$3,704.73
CHESTERFIELD63005$3,702.17
KANSAS CITY64147$3,695.05
INDEPENDENCE64054$3,693.20
SAINT LOUIS63141$3,690.21
SAINT ALBANS63073$3,687.33
IMPERIAL63052$3,686.80
SAINT LOUIS63131$3,678.46
SAINT LOUIS63128$3,678.19
GRANDVIEW64030$3,678.09
GRUBVILLE63041$3,676.20
SAINT LOUIS63122$3,666.79
HERCULANEUM63048$3,664.26
PACIFIC63069$3,661.75
DE SOTO63020$3,657.81
GRAY SUMMIT63039$3,653.65
CHESTERFIELD63017$3,649.74
MARYLAND HEIGHTS63043$3,644.64
BALLWIN63011$3,640.50
VILLA RIDGE63089$3,635.79
KANSAS CITY64114$3,634.77
FENTON63026$3,633.20
KANSAS CITY64146$3,629.83
KANSAS CITY64145$3,624.09
CRYSTAL CITY63019$3,622.56
WEST ALTON63386$3,621.76
PEVELY63070$3,619.77
LABADIE63055$3,614.81
INDEPENDENCE64058$3,614.54
SAINT CLAIR63077$3,591.01
AUGUSTA63332$3,586.11
HEMATITE63047$3,584.01
DEFIANCE63341$3,583.79
FESTUS63028$3,575.59
KANSAS CITY64136$3,572.38
CENTERVILLE63633$3,567.18
FLETCHER63030$3,566.98
INDEPENDENCE64056$3,565.68
EUREKA63025$3,564.04
PORTAGE DES SIOUX63373$3,563.98
RICHWOODS63071$3,552.27
KANSAS CITY64116$3,550.73
KANSAS CITY64149$3,546.12
BUCKNER64016$3,544.38
VALLEY PARK63088$3,543.21
FRENCH VILLAGE63036$3,536.26
CALEDONIA63631$3,535.84
REYNOLDS63666$3,535.55
MIDDLE BROOK63656$3,534.43
BLACK63625$3,533.96
MARTHASVILLE63357$3,527.61
NEW MELLE63365$3,523.73
KANSAS CITY64139$3,520.30
REDFORD63665$3,519.26
LEES SUMMIT64065$3,519.21
MINERAL POINT63660$3,517.77
CADET63630$3,517.18
LEVASY64066$3,515.59
UNION63084$3,514.54
KANSAS CITY64161$3,513.72
LESTERVILLE63654$3,513.60
BEAUFORT63013$3,513.17
TIFF63674$3,512.37
ELLINGTON63638$3,508.34
KANSAS CITY64117$3,507.54
LESLIE63056$3,507.33
BELLEVIEW63623$3,506.56
SIBLEY64088$3,505.09
FORISTELL63348$3,498.50
BLACKWELL63626$3,497.54
TRUXTON63381$3,496.11
INDEPENDENCE64055$3,494.32
BERGER63014$3,493.71
GERALD63037$3,488.50
TRELOAR63378$3,487.18
VALLES MINES63087$3,486.44
IRONDALE63648$3,485.63
BELGRADE63622$3,484.08
ALTON65606$3,473.62
WINFIELD63389$3,473.27
ANNAPOLIS63620$3,472.74
POTOSI63664$3,472.29
KANSAS CITY64118$3,469.96
SAINT CHARLES63301$3,468.50
ELSBERRY63343$3,460.53
MISSOURI CITY64072$3,455.93
BIXBY65439$3,450.59
DUTZOW63342$3,449.29
PILOT KNOB63663$3,448.67
INDEPENDENCE64057$3,446.23
PATTERSON63956$3,444.21
SAINT CHARLES63304$3,442.35
COUCH65690$3,441.10
STANTON63079$3,440.93
RIVERSIDE64150$3,440.30
O FALLON63368$3,439.13
FOLEY63347$3,438.45
UDALL65766$3,436.51
KANSAS CITY64152$3,436.34
DONIPHAN63935$3,435.66
BONNE TERRE63628$3,435.01
MILL SPRING63952$3,434.61
THORNFIELD65762$3,434.04
FAIRDEALING63939$3,433.48
OLNEY63370$3,430.83
CLUBB63934$3,430.36
IRONTON63650$3,425.04
OLD MONROE63369$3,424.83
ISABELLA65676$3,424.28
WILLIAMSVILLE63967$3,423.87
GRANDIN63943$3,423.02
GATEWOOD63942$3,422.96
OAK GROVE64075$3,421.99
BUNKER63629$3,421.33
WALDRON64092$3,421.17
SILVA63964$3,420.62
KANSAS CITY64153$3,420.27
SILEX63377$3,418.80
MOSCOW MILLS63362$3,418.24
GREENVILLE63944$3,416.50
ELLSINORE63937$3,416.04
WASOLA65773$3,415.93
SPRINGFIELD65806$3,415.53
KANSAS CITY64151$3,415.47
DOE RUN63637$3,414.88
DES ARC63636$3,408.94
THEODOSIA65761$3,407.68
BLUE SPRINGS64015$3,405.19
MOUNT STERLING65062$3,404.65
LOWNDES63951$3,404.44
LODI63950$3,404.42
BISMARCK63624$3,404.30
VULCAN63675$3,402.98
LEES SUMMIT64082$3,402.41
LIBERTY64068$3,401.94
BELTON64012$3,400.12
BAKERSFIELD65609$3,399.05
LAKE SAINT LOUIS63367$3,399.01
KANSAS CITY64154$3,398.89
WHITESIDE63387$3,397.69
PIEDMONT63957$3,397.64
MYRTLE65778$3,397.50
LEES SUMMIT64064$3,397.43
WASHINGTON63090$3,396.50
BLOOMSDALE63627$3,395.61
MOSBY64073$3,395.40
HAWK POINT63349$3,393.93
EMINENCE65466$3,392.88
KANSAS CITY64158$3,391.37
KANSAS CITY64119$3,389.76
KANSAS CITY64165$3,389.69
PONTIAC65729$3,389.59
SAINT JOSEPH64505$3,388.65
MC GEE63763$3,388.40
BRIAR63931$3,388.36
SULLIVAN63080$3,388.22
NOBLE65715$3,387.78
NEW HAVEN63068$3,387.55
LEES SUMMIT64081$3,386.34
HOLT64048$3,384.99
VIBURNUM65566$3,383.01
TECUMSEH65760$3,381.31
OXLY63955$3,379.80
NAYLOR63953$3,379.17
ARCADIA63621$3,379.08
KEARNEY64060$3,376.91
VAN BUREN63965$3,375.61
RUSHVILLE64484$3,375.51
THAYER65791$3,374.53
FREMONT63941$3,372.64
SAINT JOSEPH64501$3,371.78
WAPPAPELLO63966$3,370.98
GAINESVILLE65655$3,370.24
FLINTHILL63346$3,369.64
CASCADE63632$3,369.35
SPRINGFIELD65809$3,369.14
SAINT CHARLES63303$3,367.62
FAUCETT64448$3,366.94
LEADWOOD63653$3,365.92
WINONA65588$3,365.36
ROCKBRIDGE65741$3,363.43
KIRBYVILLE65679$3,361.22
O FALLON63366$3,361.15
BRIXEY65618$3,360.17
ZANONI65784$3,359.80
WENTZVILLE63385$3,359.00
LATHROP64465$3,358.67
KANSAS CITY64155$3,357.82
SAINT JOSEPH64506$3,357.78
MONTIER65546$3,357.34
KISSEE MILLS65680$3,356.92
GOWER64454$3,356.64
DORA65637$3,356.31
HARVIELL63945$3,356.09
PLATTSBURG64477$3,355.96
SQUIRES65755$3,355.32
KANSAS CITY64166$3,353.95
ULMAN65083$3,353.88
RAYMORE64083$3,353.04
NAPOLEON64074$3,353.00
BRANSON65616$3,351.93
EXCELSIOR SPRINGS64024$3,351.20
GRAIN VALLEY64029$3,350.50
BATES CITY64011$3,349.11
RUETER65744$3,348.99
BIRCH TREE65438$3,347.90
ORRICK64077$3,347.83
ROSEBUD63091$3,347.78
DE KALB64440$3,347.31
HARDENVILLE65666$3,347.28
TRIMBLE64492$3,346.18
BLUE SPRINGS64014$3,345.95
KANSAS CITY64167$3,345.60
WARRENTON63383$3,344.78
KANSAS CITY64163$3,341.65
TUSCUMBIA65082$3,341.05
GARRISON65657$3,339.37
LAWSON64062$3,338.88
POWERSITE65731$3,336.33
EDGERTON64444$3,336.01
SMITHVILLE64089$3,334.88
ROMBAUER63962$3,331.82
FAGUS63938$3,331.70
KOSHKONONG65692$3,330.04
#N/A63380$3,329.95
KANSAS CITY64164$3,329.95
CAULFIELD65626$3,329.15
CAPE GIRARDEAU63703$3,329.10
BARNETT65011$3,327.98
TROY63379$3,327.97
ROACH65787$3,327.83
HERMANN65041$3,327.71
KNOB LICK63651$3,327.38
SPRINGFIELD65897$3,327.11
SENECA64865$3,326.96
AGENCY64401$3,326.22
SAINT JOSEPH64503$3,326.12
PECULIAR64078$3,325.79
WRIGHT CITY63390$3,325.25
SEDGEWICKVILLE63781$3,324.71
BRUMLEY65017$3,324.65
GREENWOOD64034$3,324.27
SAINT JOSEPH64507$3,323.62
ODESSA64076$3,322.20
TANEYVILLE65759$3,321.49
QULIN63961$3,320.75
FREDERICKTOWN63645$3,320.67
TURNEY64493$3,320.33
PROTEM65733$3,319.96
BRUNER65620$3,319.33
KANSAS CITY64156$3,318.67
LEOPOLD63760$3,318.49
CROSS TIMBERS65634$3,318.20
DEARBORN64439$3,317.85
SPOKANE65754$3,316.56
PARK HILLS63601$3,315.91
CEDARCREEK65627$3,315.40
CHADWICK65629$3,315.01
ELDON65026$3,314.49
FORSYTH65653$3,314.01
LONE JACK64070$3,313.60
WINDYVILLE65783$3,313.57
OLEAN65064$3,312.90
CAPE FAIR65624$3,312.75
WALNUT SHADE65771$3,312.70
BRADLEYVILLE65614$3,312.45
EASTON64443$3,312.43
MARQUAND63655$3,312.40
WESTON64098$3,312.18
LANAGAN64847$3,312.16
ROCKAWAY BEACH65740$3,311.01
CHESTNUTRIDGE65630$3,310.17
ANDERSON64831$3,308.73
OWENSVILLE65066$3,308.16
FARLEY64028$3,307.33
POWELL65730$3,307.04
ZALMA63787$3,306.89
ROCKY COMFORT64861$3,305.68
RAYVILLE64084$3,305.47
PONCE DE LEON65728$3,304.85
DRURY65638$3,304.70
CAMDEN64017$3,302.63
PATTON63662$3,302.62
SPARTA65753$3,302.04
SAINT JOSEPH64504$3,301.02
GRAVOIS MILLS65037$3,300.13
WALNUT GROVE65770$3,297.89
BLAND65014$3,297.84
OLDFIELD65720$3,297.74
ANNADA63330$3,296.47
MORRISON65061$3,295.86
KAISER65047$3,295.17
RHINELAND65069$3,294.80
STURDIVANT63782$3,294.79
ASH GROVE65604$3,293.33
LEES SUMMIT64086$3,293.28
BELLFLOWER63333$3,293.22
RACINE64858$3,292.24
GOLDEN65658$3,292.04
SAINT PETERS63376$3,291.39
MOODY65777$3,291.11
ROCKY MOUNT65072$3,290.96
CAMDEN POINT64018$3,290.93
GALENA65656$3,290.16
VANZANT65768$3,290.00
SPRINGFIELD65802$3,289.11
SAGINAW64864$3,289.00
BROSELEY63932$3,288.94
SHERIDAN64486$3,288.54
GALLATIN64640$3,287.57
SUNRISE BEACH65079$3,286.82
WORTH64499$3,286.82
EDWARDS65326$3,286.22
FISK63940$3,285.39
NEW FLORENCE63363$3,284.03
MONTGOMERY CITY63361$3,283.83
WELLSVILLE63384$3,283.15
KANSAS CITY64157$3,282.26
LAURIE65038$3,281.74
POINT LOOKOUT65726$3,281.60
OSAGE BEACH65065$3,281.50
MARBLE HILL63764$3,281.40
EAGLE ROCK65641$3,280.25
PINEVILLE64856$3,280.11
NEELYVILLE63954$3,280.03
AVA65608$3,278.05
BRANDSVILLE65688$3,276.02
DENVER64441$3,275.94
STRASBURG64090$3,274.91
POPLAR BLUFF63901$3,274.85
LAMPE65681$3,273.86
WILLIAMSBURG63388$3,273.67
WILLARD65781$3,273.41
WEBB CITY64870$3,273.30
GOODMAN64843$3,273.05
HOLLISTER65672$3,273.01
LINN CREEK65052$3,272.95
KING CITY64463$3,272.82
GLENALLEN63751$3,271.73
SOUTH WEST CITY64863$3,271.34
HIGH HILL63350$3,271.22
BELLE65013$3,270.67
ASHBURN63433$3,270.22
LEES SUMMIT64063$3,269.65
NOEL64854$3,269.03
VERSAILLES65084$3,268.94
LAKE OZARK65049$3,268.36
SHELL KNOB65747$3,268.14
COWGILL64637$3,266.58
PEACE VALLEY65788$3,266.19
DADEVILLE65635$3,266.17
COLUMBIA65215$3,264.70
SELIGMAN65745$3,263.47
JONESBURG63351$3,263.39
STOCKTON65785$3,262.27
PORTLAND65067$3,262.03
SAINT ELIZABETH65075$3,262.00
ARCOLA65603$3,261.85
SYRACUSE65354$3,261.78
KINGSVILLE64061$3,261.26
MILLERSVILLE63766$3,260.63
CAMERON64429$3,259.90
CAMDENTON65020$3,259.69
WASHBURN65772$3,259.20
WELLINGTON64097$3,258.79
FAIRVIEW64842$3,258.60
FLORENCE65329$3,258.52
EXETER65647$3,258.24
PLEASANT HILL64080$3,257.28
FARMINGTON63640$3,256.42
TIFF CITY64868$3,256.28
PLEVNA63464$3,254.10
PLATTE CITY64079$3,254.00
SPRINGFIELD65804$3,253.79
NOVELTY63460$3,253.21
POLO64671$3,253.18
SPRINGFIELD65810$3,252.97
BOIS D ARC65612$3,252.77
PURCELL64857$3,252.56
DAVISVILLE65456$3,252.38
CLEVER65631$3,251.94
RICHMOND64085$3,251.74
CARTERVILLE64835$3,251.73
PRESTON65732$3,251.50
CASSVILLE65625$3,251.41
WOLF ISLAND63881$3,251.36
EVERTON65646$3,251.27
LA RUSSELL64848$3,249.72
BLUE EYE65611$3,249.68
REEDS SPRING65737$3,248.96
WINIGAN63566$3,247.75
STELLA64867$3,247.63
ANNISTON63820$3,246.92
COLUMBIA65216$3,246.84
STARK CITY64866$3,246.67
EMMA65327$3,246.46
ALBANY64402$3,246.42
RUTLEDGE63563$3,246.08
CRANE65633$3,246.00
HIGHLANDVILLE65669$3,245.63
STEWARTSVILLE64490$3,244.83
RIDGEDALE65739$3,244.76
IONIA65335$3,244.54
CAPE GIRARDEAU63701$3,244.49
FREISTATT65654$3,244.22
OSBORN64474$3,243.23
SPRINGFIELD65803$3,242.66
CLIMAX SPRINGS65324$3,242.00
HARRISONVILLE64701$3,241.03
QUINCY65735$3,240.37
CHARLESTON63834$3,240.33
DUKE65461$3,238.97
GIPSY63750$3,238.31
GRANBY64844$3,237.93
WHEATLAND65779$3,237.92
CLARKSVILLE63336$3,237.02
HELENA64459$3,236.06
WYATT63882$3,235.89
COSBY64436$3,235.58
POTTERSVILLE65790$3,235.47
POCAHONTAS63779$3,235.42
DIAMOND64840$3,235.38
LEXINGTON64067$3,235.29
BILLINGS65610$3,235.18
GREENFIELD65661$3,234.32
KIMBERLING CITY65686$3,234.22
BUFFALO65622$3,234.08
PITTSBURG65724$3,233.73
PARNELL64475$3,233.59
STOVER65078$3,232.99
CARL JUNCTION64834$3,232.23
HERMITAGE65668$3,231.91
MILLER65707$3,231.66
CARUTHERSVILLE63830$3,230.59
HUMANSVILLE65674$3,230.44
DEVILS ELBOW65457$3,230.14
GRANT CITY64456$3,229.89
MARTINSVILLE64467$3,229.63
UNION STAR64494$3,229.51
MIDDLETOWN63359$3,229.49
CONCEPTION JUNCTION64434$3,229.34
HURDLAND63547$3,229.22
GENTRY64453$3,229.07
VIENNA65582$3,228.95
ORONOGO64855$3,228.82
WHEATON64874$3,228.62
KIDDER64649$3,228.30
CAPLINGER MILLS65607$3,228.16
GOBLER63849$3,227.69
MACKS CREEK65786$3,227.65
KNOX CITY63446$3,227.43
HENRIETTA64036$3,227.17
HOLDEN64040$3,226.77
DAISY63743$3,226.70
EOLIA63344$3,226.30
WENTWORTH64873$3,226.26
WARSAW65355$3,226.25
CLARKSDALE64430$3,226.23
EDINA63537$3,226.09
CHAMOIS65024$3,225.53
TURNERS65765$3,225.26
COLLINS64738$3,224.42
AMITY64422$3,224.37
COOTER63839$3,224.31
STANBERRY64489$3,224.02
WEAUBLEAU65774$3,223.94
IBERIA65486$3,223.30
JERICO SPRINGS64756$3,223.05
AUXVASSE65231$3,222.76
ALEXANDRIA63430$3,222.47
STEEDMAN65077$3,221.64
STOTTS CITY65756$3,221.62
COLUMBIA65211$3,221.59
JOPLIN64801$3,220.76
FLEMINGTON65650$3,220.69
ASBURY64832$3,220.64
MC FALL64657$3,220.62
FAIR GROVE65648$3,220.19
SOUTH GREENFIELD65752$3,220.15
COLE CAMP65325$3,220.04
SAVANNAH64485$3,219.26
JOPLIN64804$3,219.24
BEULAH65436$3,219.14
URBANA65767$3,217.75
SUMMERSVILLE65571$3,217.66
GARDEN CITY64747$3,217.60
JAMESON64647$3,217.38
DARLINGTON64438$3,217.33
AVILLA64833$3,217.14
META65058$3,217.09
LUCERNE64655$3,217.08
MAYSVILLE64469$3,216.73
NIXA65714$3,216.61
SPRINGFIELD65807$3,215.98
BETHEL63434$3,215.98
DEERING63840$3,215.87
LONG LANE65590$3,215.31
MARIONVILLE65705$3,215.10
CONCEPTION64433$3,214.35
PRINCETON64673$3,214.26
ETHEL63539$3,213.87
GLENWOOD63541$3,213.16
BRAYMER64624$3,211.50
CLARK65243$3,211.30
MINDENMINES64769$3,210.58
QUEEN CITY63561$3,210.05
SEYMOUR65746$3,209.51
ALDRICH65601$3,209.49
PATTONSBURG64670$3,209.28
MONTREAL65591$3,208.95
OREGON64473$3,208.49
WESCO65586$3,208.32
LOCKWOOD65682$3,208.19
LOUISBURG65685$3,208.11
COFFEY64636$3,207.66
PURDY65734$3,207.62
HALLTOWN65664$3,207.11
ALBA64830$3,207.03
BERTRAND63823$3,206.52
FORDLAND65652$3,205.96
REA64480$3,205.91
MERCER64661$3,205.70
BRINKTOWN65443$3,205.58
NECK CITY64849$3,205.30
KINGSTON64650$3,204.45
BOSS65440$3,204.24
JEROME65529$3,204.18
AMAZONIA64421$3,203.86
PUXICO63960$3,203.16
CUBA65453$3,202.83
MARSHFIELD65706$3,202.78
EL DORADO SPRINGS64744$3,202.37
WINSTON64689$3,202.24
MORRISVILLE65710$3,201.25
HARDIN64035$3,201.01
COLUMBIA65202$3,200.35
LINCOLN65338$3,200.30
WORTHINGTON63567$3,200.21
ELMO64445$3,199.82
STEELE63877$3,199.54
BARNARD64423$3,199.38
COOK STA65449$3,199.37
DREXEL64742$3,199.35
FORTUNA65034$3,199.28
BRAGG CITY63827$3,199.14
RENICK65278$3,199.02
COMMERCE63742$3,199.02
DOWNING63536$3,198.68
BOURBON65441$3,198.68
HUMPHREYS64646$3,198.50
SAINT MARY63673$3,198.26
BOWLING GREEN63334$3,198.10
ALTAMONT64620$3,197.92
FOSTER64745$3,197.68
STET64680$3,197.61
POMONA65789$3,197.24
EMDEN63439$3,197.17
OAK RIDGE63769$3,196.92
EAST PRAIRIE63845$3,196.92
CRAIG64437$3,196.41
LAREDO64652$3,196.27
NORBORNE64668$3,196.18
REEDS64859$3,196.02
FULTON65251$3,195.79
NEOSHO64850$3,195.67
WEST PLAINS65775$3,195.17
FREEBURG65035$3,195.17
DUTCHTOWN63745$3,194.70
HAMILTON64644$3,194.69
CLEARMONT64431$3,194.57
AURORA65605$3,194.27
GALT64641$3,194.21
WILLOW SPRINGS65793$3,193.67
SARCOXIE64862$3,193.66
HAYTI63851$3,193.65
WHITEWATER63785$3,193.44
POLK65727$3,193.38
WHEELING64688$3,192.96
BROOKLINE65619$3,192.93
SCOTT CITY63780$3,192.62
CLEVELAND64734$3,192.20
CARDWELL63829$3,192.10
SPICKARD64679$3,192.07
RAVENWOOD64479$3,191.91
LANCASTER63548$3,191.81
ARBYRD63821$3,191.52
BARING63531$3,190.94
GOLDEN CITY64748$3,190.83
WEATHERBY64497$3,190.79
NEW BLOOMFIELD65063$3,190.77
BURFORDVILLE63739$3,190.34
COLUMBIA65201$3,190.25
COATSVILLE63535$3,190.00
ALLENDALE64420$3,189.39
ROGERSVILLE65742$3,189.38
OLD APPLETON63770$3,188.20
NORWOOD65717$3,188.19
ARMSTRONG65230$3,188.19
FRIEDHEIM63747$3,187.12
TRENTON64683$3,186.67
FAIR PLAY65649$3,186.26
BOLCKOW64427$3,186.24
WHITEOAK63880$3,185.30
FILLMORE64449$3,184.96
MACOMB65702$3,184.90
UNIONTOWN63783$3,184.69
BOSWORTH64623$3,184.28
BOGARD64622$3,183.22
HOPKINS64461$3,183.15
NEWARK63458$3,182.74
GIBSON63847$3,182.48
EDGAR SPRINGS65462$3,182.23
VICHY65580$3,182.13
PHILADELPHIA63463$3,182.08
DUNNEGAN65640$3,181.76
JAMESTOWN65046$3,181.73
LYNCHBURG65543$3,181.51
MOKANE65059$3,181.27
ALTENBURG63732$3,180.44
ARBELA63432$3,180.29
ROCHEPORT65279$3,180.23
REPUBLIC65738$3,180.20
NEWBURG65550$3,179.74
MAYVIEW64071$3,179.25
BRIGHTON65617$3,178.85
UNIONVILLE63565$3,178.68
HUNNEWELL63443$3,178.59
ELK CREEK65464$3,178.52
GUILFORD64457$3,178.33
MILAN63556$3,178.13
KENNETT63857$3,177.92
GRAHAM64455$3,177.82
LOUISIANA63353$3,177.56
PIERCE CITY65723$3,177.55
WYACONDA63474$3,176.96
CABOOL65689$3,176.90
CLYDE64432$3,176.60
RIVES63875$3,176.18
GIBBS63540$3,176.12
EUNICE65468$3,176.12
SENATH63876$3,175.98
JADWIN65501$3,174.99
MOUNT VERNON65712$3,174.87
PRAIRIE HOME65068$3,174.80
HARRISBURG65256$3,174.51
APPLETON CITY64724$3,174.39
WARDELL63879$3,174.25
TUNAS65764$3,173.96
DUDLEY63936$3,173.94
MANSFIELD65704$3,173.88
HARRIS64645$3,173.76
HOLCOMB63852$3,173.69
JAMESPORT64648$3,173.41
ROSENDALE64483$3,172.95
GORDONVILLE63752$3,172.47
HORNERSVILLE63855$3,172.33
EAST LYNNE64743$3,172.15
BLYTHEDALE64426$3,172.12
GRANGER63442$3,172.03
CHULA64635$3,171.56
HATFIELD64458$3,171.19
HARTSHORN65479$3,171.08
PLEASANT HOPE65725$3,170.72
WOOLDRIDGE65287$3,170.69
BONNOTS MILL65016$3,169.95
BETHANY64424$3,169.35
SHELBYVILLE63469$3,169.11
HALF WAY65663$3,168.73
COLUMBIA65203$3,168.44
TINA64682$3,168.30
KEWANEE63860$3,168.30
NEW CAMBRIA63558$3,167.61
ELMER63538$3,167.19
MOORESVILLE64664$3,167.13
LIVONIA63551$3,166.92
DURHAM63438$3,166.67
GILMAN CITY64642$3,166.64
POWERSVILLE64672$3,166.09
BRECKENRIDGE64625$3,165.48
KOELTZTOWN65048$3,165.36
NEW HAMPTON64471$3,165.34
BRASHEAR63533$3,165.33
MOUND CITY64470$3,165.21
TEBBETTS65080$3,165.20
STOUTLAND65567$3,165.11
LIBERAL64762$3,164.79
NEW BOSTON63557$3,164.77
LENOX65541$3,164.51
MOUNTAIN VIEW65548$3,164.40
CHERRYVILLE65446$3,164.24
BROWNWOOD63738$3,164.06
NOVINGER63559$3,164.04
LATHAM65050$3,164.02
FOREST CITY64451$3,163.97
RIDGEWAY64481$3,163.87
LINN65051$3,163.68
OSCEOLA64776$3,163.28
YUKON65589$3,163.01
LEASBURG65535$3,162.97
BROWNING64630$3,162.96
NIANGUA65713$3,162.91
GREEN CITY63545$3,162.67
DOVER64022$3,162.61
VERONA65769$3,162.42
JASPER64755$3,162.13
HALLSVILLE65255$3,161.96
BLODGETT63824$3,161.81
RISCO63874$3,161.80
MONTICELLO63457$3,161.56
ROCK PORT64482$3,161.45
CHILHOWEE64733$3,160.83
SKIDMORE64487$3,160.45
HUGGINS65484$3,160.20
KINGDOM CITY65262$3,160.18
STEELVILLE65565$3,159.81
CLARKTON63837$3,159.55
FREEMAN64746$3,159.38
MOREHOUSE63868$3,159.21
EAGLEVILLE64442$3,159.17
NEWTOWN64667$3,159.01
LOCK SPRINGS64654$3,158.81
WILLIAMSTOWN63473$3,158.68
SIKESTON63801$3,158.65
ARCHIE64725$3,158.61
LEWISTOWN63452$3,158.50
TARKIO64491$3,158.21
CHAFFEE63740$3,158.21
WATSON64496$3,158.05
CREIGHTON64739$3,157.85
GORIN63543$3,157.28
ARGYLE65001$3,156.93
DELTA63744$3,156.69
SHELDON64784$3,155.77
MAITLAND64466$3,155.74
NEW MADRID63869$3,155.46
HIGGINSVILLE64037$3,155.34
MARTINSBURG65264$3,155.10
SAINTE GENEVIEVE63670$3,154.62
FRANKLIN65250$3,154.57
GREENTOP63546$3,154.45
CAMPBELL63933$3,154.31
STURGEON65284$3,153.59
CAINSVILLE64632$3,153.44
EUGENE65032$3,153.35
OZARK65721$3,153.28
LA PLATA63549$3,153.10
TALLAPOOSA63878$3,152.85
GRAYRIDGE63850$3,152.82
WESTPHALIA65085$3,152.62
DIXON65459$3,152.49
PERKINS63774$3,151.66
CANALOU63828$3,151.48
MALDEN63863$3,150.88
UTICA64686$3,150.48
BURLINGTON JUNCTION64428$3,150.14
PICKERING64476$3,150.05
BRONAUGH64728$3,149.88
POLLOCK63560$3,148.81
LEETON64761$3,148.45
ANABEL63431$3,148.37
HIGH POINT65042$3,146.92
LA BELLE63447$3,146.92
ELKLAND65644$3,146.62
MONTROSE64770$3,146.61
MILO64767$3,146.34
LENTNER63450$3,146.32
LOWRY CITY64763$3,145.80
SAINT PATRICK63466$3,145.46
ROTHVILLE64676$3,145.44
WAVERLY64096$3,145.44
EWING63440$3,145.38
HOUSTON65483$3,145.20
GREEN CASTLE63544$3,144.96
LEONARD63451$3,143.70
LAKE SPRING65532$3,143.25
MARSTON63866$3,142.21
CATRON63833$3,141.79
VANDUSER63784$3,141.61
WESTBORO64498$3,141.09
FRANKFORD63441$3,141.05
PILOT GROVE65276$3,141.05
CARROLLTON64633$3,140.86
LINNEUS64653$3,140.64
SHELBINA63468$3,140.29
BOONVILLE65233$3,140.29
PARMA63870$3,139.67
AMSTERDAM64723$3,139.62
BLOOMFIELD63825$3,139.54
FAIRFAX64446$3,138.63
LILBOURN63862$3,138.59
BENTON CITY65232$3,138.54
RAYMONDVILLE65555$3,138.43
CENTRALIA65240$3,138.41
MOUNDVILLE64771$3,138.35
LUDLOW64656$3,137.71
SOLO65564$3,135.87
MATTHEWS63867$3,135.40
CENTERVIEW64019$3,134.95
BRAZEAU63737$3,134.81
KAHOKA63445$3,134.74
GIDEON63848$3,134.07
BUCYRUS65444$3,133.45
BUNCETON65237$3,132.82
CONCORDIA64020$3,132.32
SANTA FE65282$3,131.95
WINDSOR65360$3,131.80
BENTON63736$3,131.56
HIGBEE65257$3,131.54
LOOSE CREEK65054$3,131.50
CLARKSBURG65025$3,131.46
GLASGOW65254$3,131.42
EXCELLO65247$3,130.93
HALE64643$3,130.53
DAWN64638$3,130.24
JACKSON63755$3,130.11
LURAY63453$3,129.89
SALEM65560$3,129.66
DALTON65246$3,129.41
MC BRIDE63776$3,129.18
ELDRIDGE65463$3,128.32
MILFORD64766$3,128.21
LAMAR64759$3,127.82
MEMPHIS63555$3,126.78
MC GIRK65055$3,126.17
BELL CITY63735$3,125.98
MONETT65708$3,125.89
CURRYVILLE63339$3,125.45
FAYETTE65248$3,124.77
SAINT JAMES65559$3,124.22
ESSEX63846$3,124.10
DEEPWATER64740$3,124.10
FARRAR63746$3,123.40
COLUMBIA65299$3,122.91
REVERE63465$3,122.70
CENTER63436$3,122.18
NEW FRANKLIN65274$3,122.10
PORTAGEVILLE63873$3,122.10
WAYLAND63472$3,121.91
PLATO65552$3,121.82
STOUTSVILLE65283$3,121.08
ROCKVILLE64780$3,120.07
ROBY65557$3,118.61
BLACKWATER65322$3,118.44
DEERFIELD64741$3,117.74
AMORET64722$3,116.93
ORAN63771$3,114.15
RUSSELLVILLE65074$3,114.01
TIPTON65081$3,113.87
THOMPSON65285$3,113.48
RICH HILL64779$3,113.27
RICHARDS64778$3,113.19
FROHNA63748$3,112.22
LA GRANGE63448$3,111.95
MEXICO65265$3,111.44
MOUNTAIN GROVE65711$3,110.28
MORA65345$3,110.28
HARTSBURG65039$3,110.18
BOLIVAR65613$3,110.12
HARWOOD64750$3,109.88
HUME64752$3,108.04
WHITEMAN AIR FORCE BASE65305$3,106.92
KNOB NOSTER65336$3,106.88
SCHELL CITY64783$3,106.42
CLARENCE63437$3,105.80
HARTVILLE65667$3,105.79
BLAIRSTOWN64726$3,105.74
ASHLAND65010$3,105.38
CALLAO63534$3,104.78
ADVANCE63730$3,104.67
FALCON65470$3,103.93
HOUSTONIA65333$3,103.93
TRIPLETT65286$3,103.87
PURDIN64674$3,103.87
STRAFFORD65757$3,103.39
CANTON63435$3,102.70
KEYTESVILLE65261$3,102.52
CLIFTON HILL65244$3,101.80
OTTERVILLE65348$3,101.32
WALKER64790$3,101.24
MAYWOOD63454$3,100.96
MACON63552$3,100.53
ATLANTA63530$3,100.26
HUNTSVILLE65259$3,098.86
FARBER63345$3,098.67
CARTHAGE64836$3,098.52
NEW LONDON63459$3,098.27
PERRY63462$3,097.55
MEADVILLE64659$3,096.37
BERNIE63822$3,096.07
SAINT ROBERT65584$3,095.46
CROCKER65452$3,095.37
LICKING65542$3,094.88
HOLLIDAY65258$3,092.83
SWEET SPRINGS65351$3,092.17
BUTLER64730$3,091.30
DEXTER63841$3,089.85
DE WITT64639$3,089.42
BUCKLIN64631$3,089.32
SAINT THOMAS65076$3,089.10
PARIS65275$3,089.01
WARRENSBURG64093$3,088.71
HANNIBAL63401$3,088.57
NEVADA64772$3,088.55
HUGHESVILLE65334$3,088.47
HOLTS SUMMIT65043$3,087.76
BRUNSWICK65236$3,087.14
PERRYVILLE63775$3,085.78
RUSH HILL65280$3,085.61
CAIRO65239$3,085.59
MOBERLY65270$3,085.21
CALIFORNIA65018$3,084.35
SUMNER64681$3,084.28
BEVIER63532$3,083.35
SUCCESS65570$3,083.31
JACKSONVILLE65260$3,083.27
MONROE CITY63456$3,082.61
CORDER64021$3,082.22
SALISBURY65281$3,082.00
HENLEY65040$3,080.39
PHILLIPSBURG65722$3,078.95
WAYNESVILLE65583$3,078.75
TAYLOR63471$3,078.37
LACLEDE64651$3,075.26
MENDON64660$3,074.83
BROOKFIELD64628$3,073.37
LAQUEY65534$3,073.13
RICHLAND65556$3,071.96
MADISON65263$3,071.59
GREEN RIDGE65332$3,071.20
CONWAY65632$3,066.16
GROVESPRING65662$3,065.46
CHILLICOTHE64601$3,063.19
URICH64788$3,062.54
ADRIAN64720$3,061.26
MARYVILLE64468$3,061.06
GRAFF65660$3,060.83
VANDALIA63382$3,059.82
ROLLA65401$3,056.42
ARROW ROCK65320$3,056.42
CALHOUN65323$3,055.29
SLATER65349$3,054.78
BLACKBURN65321$3,053.88
GILLIAM65330$3,053.62
ALMA64001$3,050.25
KIRKSVILLE63501$3,049.19
LADDONIA63352$3,047.73
MARCELINE64658$3,045.13
LOHMAN65053$3,040.44
SMITHTON65350$3,037.12
CLINTON64735$3,036.94
JEFFERSON CITY65101$3,036.06
LA MONTE65337$3,034.71
MIAMI65344$3,029.18
PALMYRA63461$3,025.53
MALTA BEND65339$3,021.23
JEFFERSON CITY65109$3,019.92
FORT LEONARD WOOD65473$3,016.38
CENTERTOWN65023$3,015.32
NELSON65347$3,010.40
MARSHALL65340$2,962.96
LEBANON65536$2,938.32
SEDALIA65301$2,938.18

The table above shows every zip code in Missouri and what city the zip-code lies within. Identifying average rates by zip code can help you move to a place you want to be, but know where the better areas are so you don’t overpay on insurance. More often than not, the most expensive zip-codes are in downtown areas.

The most expensive zip-code in Missouri is in St. Louis at 63120 for $5,220.97 annually. The cheapest zip code is in Sedalia at 65301 for an average annual price of $2,938.18.

Cheapest Rates by City

Rates by city and zip-code go hand and hand. Rates by the city are a great statistic to discover the best places to buy auto insurance. Many different factors go into why each city is more or less expensive than the other.

CityAverage Grand Total
SEDALIA$2,938.18
LEBANON$2,938.32
MARSHALL$2,962.96
NELSON$3,010.40
CENTERTOWN$3,015.32
FORT LEONARD WOOD$3,016.37
MALTA BEND$3,021.23
PALMYRA$3,025.53
JEFFERSON CITY$3,027.99
MIAMI$3,029.18
LA MONTE$3,034.71
CLINTON$3,036.94
SMITHTON$3,037.12
LOHMAN$3,040.44
MARCELINE$3,045.13
LADDONIA$3,047.73
KIRKSVILLE$3,049.19
ALMA$3,050.25
GILLIAM$3,053.62
BLACKBURN$3,053.88
SLATER$3,054.78
CALHOUN$3,055.29
ARROW ROCK$3,056.42
ROLLA$3,056.42
VANDALIA$3,059.82
GRAFF$3,060.83
MARYVILLE$3,061.06
ADRIAN$3,061.26
URICH$3,062.54
CHILLICOTHE$3,063.19
GROVESPRING$3,065.46
CONWAY$3,066.16
GREEN RIDGE$3,071.20
MADISON$3,071.59
RICHLAND$3,071.96
LAQUEY$3,073.13
BROOKFIELD$3,073.37
MENDON$3,074.83
LACLEDE$3,075.26
TAYLOR$3,078.37
WAYNESVILLE$3,078.75
PHILLIPSBURG$3,078.95
HENLEY$3,080.39
SALISBURY$3,082.00
CORDER$3,082.22
MONROE CITY$3,082.61
JACKSONVILLE$3,083.27
SUCCESS$3,083.31
BEVIER$3,083.35
SUMNER$3,084.28
CALIFORNIA$3,084.35
MOBERLY$3,085.21
CAIRO$3,085.59
RUSH HILL$3,085.61
PERRYVILLE$3,085.77
BRUNSWICK$3,087.14
HOLTS SUMMIT$3,087.76
HUGHESVILLE$3,088.47
NEVADA$3,088.55
HANNIBAL$3,088.57
WARRENSBURG$3,088.71
PARIS$3,089.01
SAINT THOMAS$3,089.10
BUCKLIN$3,089.32
DE WITT$3,089.42
DEXTER$3,089.85
BUTLER$3,091.30
SWEET SPRINGS$3,092.16
HOLLIDAY$3,092.84
LICKING$3,094.88
CROCKER$3,095.37
SAINT ROBERT$3,095.46
BERNIE$3,096.07
MEADVILLE$3,096.37
PERRY$3,097.56
NEW LONDON$3,098.27
CARTHAGE$3,098.52
FARBER$3,098.67
HUNTSVILLE$3,098.86
ATLANTA$3,100.26
MACON$3,100.53
MAYWOOD$3,100.96
WALKER$3,101.24
OTTERVILLE$3,101.32
CLIFTON HILL$3,101.80
KEYTESVILLE$3,102.52
CANTON$3,102.70
STRAFFORD$3,103.40
PURDIN$3,103.87
TRIPLETT$3,103.87
FALCON$3,103.93
HOUSTONIA$3,103.93
ADVANCE$3,104.67
CALLAO$3,104.78
ASHLAND$3,105.38
BLAIRSTOWN$3,105.74
HARTVILLE$3,105.79
CLARENCE$3,105.80
SCHELL CITY$3,106.42
KNOB NOSTER$3,106.87
WHITEMAN AIR FORCE BASE$3,106.92
HUME$3,108.04
HARWOOD$3,109.88
BOLIVAR$3,110.12
HARTSBURG$3,110.18
MORA$3,110.28
MOUNTAIN GROVE$3,110.28
MEXICO$3,111.44
LA GRANGE$3,111.95
FROHNA$3,112.22
RICHARDS$3,113.19
RICH HILL$3,113.27
THOMPSON$3,113.47
TIPTON$3,113.87
RUSSELLVILLE$3,114.01
ORAN$3,114.15
AMORET$3,116.93
DEERFIELD$3,117.74
BLACKWATER$3,118.44
ROBY$3,118.61
ROCKVILLE$3,120.07
STOUTSVILLE$3,121.08
PLATO$3,121.82
WAYLAND$3,121.91
NEW FRANKLIN$3,122.10
PORTAGEVILLE$3,122.10
CENTER$3,122.18
REVERE$3,122.70
FARRAR$3,123.40
DEEPWATER$3,124.10
ESSEX$3,124.10
SAINT JAMES$3,124.22
FAYETTE$3,124.77
CURRYVILLE$3,125.45
MONETT$3,125.89
BELL CITY$3,125.98
MC GIRK$3,126.17
MEMPHIS$3,126.78
LAMAR$3,127.82
MILFORD$3,128.21
ELDRIDGE$3,128.32
MC BRIDE$3,129.18
DALTON$3,129.41
SALEM$3,129.65
LURAY$3,129.89
JACKSON$3,130.11
DAWN$3,130.24
HALE$3,130.53
EXCELLO$3,130.93
GLASGOW$3,131.42
CLARKSBURG$3,131.46
LOOSE CREEK$3,131.50
HIGBEE$3,131.54
BENTON$3,131.56
WINDSOR$3,131.80
SANTA FE$3,131.95
CONCORDIA$3,132.32
BUNCETON$3,132.82
BUCYRUS$3,133.45
GIDEON$3,134.07
KAHOKA$3,134.75
BRAZEAU$3,134.81
CENTERVIEW$3,134.95
MATTHEWS$3,135.40
SOLO$3,135.86
LUDLOW$3,137.71
MOUNDVILLE$3,138.35
CENTRALIA$3,138.41
RAYMONDVILLE$3,138.43
BENTON CITY$3,138.54
LILBOURN$3,138.59
FAIRFAX$3,138.63
BLOOMFIELD$3,139.54
AMSTERDAM$3,139.62
PARMA$3,139.67
BOONVILLE$3,140.29
SHELBINA$3,140.29
LINNEUS$3,140.64
CARROLLTON$3,140.86
FRANKFORD$3,141.05
PILOT GROVE$3,141.05
WESTBORO$3,141.09
VANDUSER$3,141.61
CATRON$3,141.79
MARSTON$3,142.21
LAKE SPRING$3,143.25
LEONARD$3,143.70
GREEN CASTLE$3,144.96
HOUSTON$3,145.20
EWING$3,145.38
ROTHVILLE$3,145.44
WAVERLY$3,145.44
SAINT PATRICK$3,145.46
LOWRY CITY$3,145.80
LENTNER$3,146.32
MILO$3,146.34
MONTROSE$3,146.61
ELKLAND$3,146.62
HIGH POINT$3,146.92
LA BELLE$3,146.92
ANABEL$3,148.37
LEETON$3,148.45
POLLOCK$3,148.81
BRONAUGH$3,149.88
PICKERING$3,150.05
BURLINGTON JUNCTION$3,150.14
UTICA$3,150.49
MALDEN$3,150.88
CANALOU$3,151.48
PERKINS$3,151.66
DIXON$3,152.49
WESTPHALIA$3,152.62
GRAYRIDGE$3,152.82
TALLAPOOSA$3,152.85
LA PLATA$3,153.10
OZARK$3,153.28
EUGENE$3,153.35
CAINSVILLE$3,153.43
STURGEON$3,153.59
CAMPBELL$3,154.31
GREENTOP$3,154.45
FRANKLIN$3,154.57
SAINTE GENEVIEVE$3,154.62
MARTINSBURG$3,155.10
HIGGINSVILLE$3,155.34
NEW MADRID$3,155.46
MAITLAND$3,155.74
SHELDON$3,155.77
DELTA$3,156.69
ARGYLE$3,156.93
GORIN$3,157.28
CREIGHTON$3,157.85
WATSON$3,158.05
CHAFFEE$3,158.21
TARKIO$3,158.21
LEWISTOWN$3,158.50
ARCHIE$3,158.61
SIKESTON$3,158.65
WILLIAMSTOWN$3,158.68
LOCK SPRINGS$3,158.81
NEWTOWN$3,159.01
EAGLEVILLE$3,159.17
MOREHOUSE$3,159.21
FREEMAN$3,159.38
CLARKTON$3,159.55
STEELVILLE$3,159.81
KINGDOM CITY$3,160.18
HUGGINS$3,160.20
SKIDMORE$3,160.45
CHILHOWEE$3,160.83
ROCK PORT$3,161.45
MONTICELLO$3,161.56
RISCO$3,161.80
BLODGETT$3,161.81
HALLSVILLE$3,161.96
JASPER$3,162.13
VERONA$3,162.42
DOVER$3,162.61
GREEN CITY$3,162.67
NIANGUA$3,162.91
BROWNING$3,162.96
LEASBURG$3,162.97
YUKON$3,163.01
OSCEOLA$3,163.28
LINN$3,163.68
RIDGEWAY$3,163.87
FOREST CITY$3,163.97
LATHAM$3,164.02
NOVINGER$3,164.04
BROWNWOOD$3,164.07
CHERRYVILLE$3,164.24
MOUNTAIN VIEW$3,164.40
LENOX$3,164.51
NEW BOSTON$3,164.77
LIBERAL$3,164.79
STOUTLAND$3,165.11
TEBBETTS$3,165.20
MOUND CITY$3,165.21
BRASHEAR$3,165.33
NEW HAMPTON$3,165.34
KOELTZTOWN$3,165.36
BRECKENRIDGE$3,165.48
POWERSVILLE$3,166.09
GILMAN CITY$3,166.64
DURHAM$3,166.67
LIVONIA$3,166.92
MOORESVILLE$3,167.13
ELMER$3,167.19
NEW CAMBRIA$3,167.61
KEWANEE$3,168.30
TINA$3,168.30
HALF WAY$3,168.73
SHELBYVILLE$3,169.11
BETHANY$3,169.35
BONNOTS MILL$3,169.95
WOOLDRIDGE$3,170.69
PLEASANT HOPE$3,170.72
HARTSHORN$3,171.08
HATFIELD$3,171.19
CHULA$3,171.56
GRANGER$3,172.03
BLYTHEDALE$3,172.12
EAST LYNNE$3,172.14
HORNERSVILLE$3,172.33
GORDONVILLE$3,172.47
ROSENDALE$3,172.95
JAMESPORT$3,173.41
HOLCOMB$3,173.69
HARRIS$3,173.76
MANSFIELD$3,173.88
DUDLEY$3,173.94
TUNAS$3,173.96
WARDELL$3,174.25
APPLETON CITY$3,174.39
HARRISBURG$3,174.51
PRAIRIE HOME$3,174.80
MOUNT VERNON$3,174.87
JADWIN$3,174.99
SENATH$3,175.98
EUNICE$3,176.12
GIBBS$3,176.13
RIVES$3,176.18
CLYDE$3,176.60
CABOOL$3,176.90
WYACONDA$3,176.96
PIERCE CITY$3,177.55
LOUISIANA$3,177.56
GRAHAM$3,177.82
KENNETT$3,177.92
MILAN$3,178.13
GUILFORD$3,178.33
ELK CREEK$3,178.51
HUNNEWELL$3,178.59
UNIONVILLE$3,178.68
BRIGHTON$3,178.85
MAYVIEW$3,179.25
NEWBURG$3,179.74
REPUBLIC$3,180.20
ROCHEPORT$3,180.23
ARBELA$3,180.29
ALTENBURG$3,180.43
MOKANE$3,181.27
LYNCHBURG$3,181.51
JAMESTOWN$3,181.73
DUNNEGAN$3,181.76
PHILADELPHIA$3,182.08
VICHY$3,182.13
EDGAR SPRINGS$3,182.23
GIBSON$3,182.48
NEWARK$3,182.74
HOPKINS$3,183.15
BOGARD$3,183.22
BOSWORTH$3,184.28
UNIONTOWN$3,184.69
MACOMB$3,184.90
FILLMORE$3,184.96
WHITEOAK$3,185.30
BOLCKOW$3,186.24
FAIR PLAY$3,186.26
TRENTON$3,186.67
FRIEDHEIM$3,187.12
ARMSTRONG$3,188.19
NORWOOD$3,188.19
OLD APPLETON$3,188.20
ALLENDALE$3,189.38
ROGERSVILLE$3,189.38
COATSVILLE$3,190.00
BURFORDVILLE$3,190.34
NEW BLOOMFIELD$3,190.77
WEATHERBY$3,190.79
GOLDEN CITY$3,190.83
BARING$3,190.94
ARBYRD$3,191.52
LANCASTER$3,191.81
RAVENWOOD$3,191.91
SPICKARD$3,192.07
CARDWELL$3,192.10
CLEVELAND$3,192.20
SCOTT CITY$3,192.62
BROOKLINE$3,192.93
WHEELING$3,192.96
POLK$3,193.39
WHITEWATER$3,193.44
HAYTI$3,193.65
SARCOXIE$3,193.66
WILLOW SPRINGS$3,193.67
GALT$3,194.21
AURORA$3,194.27
CLEARMONT$3,194.57
HAMILTON$3,194.69
DUTCHTOWN$3,194.70
FREEBURG$3,195.17
WEST PLAINS$3,195.17
NEOSHO$3,195.67
FULTON$3,195.79
REEDS$3,196.02
NORBORNE$3,196.19
LAREDO$3,196.27
CRAIG$3,196.41
EAST PRAIRIE$3,196.92
OAK RIDGE$3,196.92
EMDEN$3,197.17
POMONA$3,197.24
STET$3,197.61
FOSTER$3,197.68
ALTAMONT$3,197.92
BOWLING GREEN$3,198.10
SAINT MARY$3,198.26
HUMPHREYS$3,198.49
BOURBON$3,198.68
DOWNING$3,198.68
COMMERCE$3,199.02
RENICK$3,199.02
BRAGG CITY$3,199.14
FORTUNA$3,199.28
DREXEL$3,199.35
COOK STA$3,199.37
BARNARD$3,199.38
STEELE$3,199.54
ELMO$3,199.82
WORTHINGTON$3,200.21
LINCOLN$3,200.29
HARDIN$3,201.01
MORRISVILLE$3,201.25
COLUMBIA$3,202.15
WINSTON$3,202.24
EL DORADO SPRINGS$3,202.37
MARSHFIELD$3,202.78
CUBA$3,202.83
PUXICO$3,203.16
AMAZONIA$3,203.86
JEROME$3,204.18
BOSS$3,204.24
KINGSTON$3,204.45
NECK CITY$3,205.30
BRINKTOWN$3,205.58
MERCER$3,205.70
REA$3,205.92
FORDLAND$3,205.96
BERTRAND$3,206.52
ALBA$3,207.03
HALLTOWN$3,207.11
PURDY$3,207.62
COFFEY$3,207.66
LOUISBURG$3,208.11
LOCKWOOD$3,208.19
WESCO$3,208.32
OREGON$3,208.49
MONTREAL$3,208.94
PATTONSBURG$3,209.28
ALDRICH$3,209.49
SEYMOUR$3,209.51
QUEEN CITY$3,210.05
MINDENMINES$3,210.58
CLARK$3,211.30
BRAYMER$3,211.50
GLENWOOD$3,213.16
ETHEL$3,213.87
PRINCETON$3,214.26
CONCEPTION$3,214.35
MARIONVILLE$3,215.10
LONG LANE$3,215.31
DEERING$3,215.87
BETHEL$3,215.98
NIXA$3,216.61
MAYSVILLE$3,216.73
LUCERNE$3,217.08
META$3,217.09
AVILLA$3,217.14
DARLINGTON$3,217.33
JAMESON$3,217.38
GARDEN CITY$3,217.60
SUMMERSVILLE$3,217.66
URBANA$3,217.75
BEULAH$3,219.14
SAVANNAH$3,219.26
JOPLIN$3,220.00
COLE CAMP$3,220.04
SOUTH GREENFIELD$3,220.15
FAIR GROVE$3,220.20
MC FALL$3,220.62
ASBURY$3,220.64
FLEMINGTON$3,220.69
STOTTS CITY$3,221.62
STEEDMAN$3,221.64
ALEXANDRIA$3,222.47
AUXVASSE$3,222.76
JERICO SPRINGS$3,223.05
IBERIA$3,223.30
WEAUBLEAU$3,223.94
STANBERRY$3,224.02
COOTER$3,224.31
AMITY$3,224.36
COLLINS$3,224.42
TURNERS$3,225.26
CHAMOIS$3,225.53
EDINA$3,226.09
CLARKSDALE$3,226.23
WARSAW$3,226.24
WENTWORTH$3,226.26
EOLIA$3,226.30
DAISY$3,226.70
HOLDEN$3,226.77
HENRIETTA$3,227.17
KNOX CITY$3,227.43
MACKS CREEK$3,227.65
GOBLER$3,227.69
CAPLINGER MILLS$3,228.16
KIDDER$3,228.30
WHEATON$3,228.62
ORONOGO$3,228.82
VIENNA$3,228.96
GENTRY$3,229.07
HURDLAND$3,229.22
CONCEPTION JUNCTION$3,229.34
MIDDLETOWN$3,229.49
UNION STAR$3,229.51
MARTINSVILLE$3,229.63
GRANT CITY$3,229.89
DEVILS ELBOW$3,230.14
HUMANSVILLE$3,230.44
CARUTHERSVILLE$3,230.59
MILLER$3,231.66
HERMITAGE$3,231.91
CARL JUNCTION$3,232.23
STOVER$3,232.99
PARNELL$3,233.59
PITTSBURG$3,233.73
BUFFALO$3,234.08
KIMBERLING CITY$3,234.22
GREENFIELD$3,234.32
BILLINGS$3,235.18
LEXINGTON$3,235.29
DIAMOND$3,235.37
POCAHONTAS$3,235.42
POTTERSVILLE$3,235.46
COSBY$3,235.58
WYATT$3,235.89
HELENA$3,236.06
CLARKSVILLE$3,237.01
WHEATLAND$3,237.92
GRANBY$3,237.94
GIPSY$3,238.31
DUKE$3,238.97
CHARLESTON$3,240.32
QUINCY$3,240.37
HARRISONVILLE$3,241.03
CLIMAX SPRINGS$3,242.00
OSBORN$3,243.23
FREISTATT$3,244.22
IONIA$3,244.54
RIDGEDALE$3,244.76
STEWARTSVILLE$3,244.83
HIGHLANDVILLE$3,245.63
CRANE$3,246.00
RUTLEDGE$3,246.08
ALBANY$3,246.42
EMMA$3,246.46
STARK CITY$3,246.67
ANNISTON$3,246.92
STELLA$3,247.63
WINIGAN$3,247.75
REEDS SPRING$3,248.96
BLUE EYE$3,249.68
LA RUSSELL$3,249.72
EVERTON$3,251.27
WOLF ISLAND$3,251.36
CASSVILLE$3,251.41
PRESTON$3,251.50
CARTERVILLE$3,251.73
RICHMOND$3,251.74
CLEVER$3,251.95
DAVISVILLE$3,252.38
PURCELL$3,252.56
BOIS D ARC$3,252.77
POLO$3,253.18
NOVELTY$3,253.21
PLATTE CITY$3,254.00
PLEVNA$3,254.10
TIFF CITY$3,256.28
FARMINGTON$3,256.42
PLEASANT HILL$3,257.28
EXETER$3,258.24
FLORENCE$3,258.52
FAIRVIEW$3,258.60
WELLINGTON$3,258.79
WASHBURN$3,259.20
CAMDENTON$3,259.69
CAMERON$3,259.90
MILLERSVILLE$3,260.63
KINGSVILLE$3,261.26
SYRACUSE$3,261.78
ARCOLA$3,261.85
SAINT ELIZABETH$3,262.00
PORTLAND$3,262.03
STOCKTON$3,262.27
JONESBURG$3,263.39
SELIGMAN$3,263.47
DADEVILLE$3,266.18
PEACE VALLEY$3,266.19
COWGILL$3,266.58
SHELL KNOB$3,268.14
LAKE OZARK$3,268.36
VERSAILLES$3,268.94
NOEL$3,269.03
ASHBURN$3,270.22
BELLE$3,270.67
HIGH HILL$3,271.22
SOUTH WEST CITY$3,271.34
GLENALLEN$3,271.73
KING CITY$3,272.82
LINN CREEK$3,272.95
HOLLISTER$3,273.01
GOODMAN$3,273.05
WEBB CITY$3,273.30
WILLARD$3,273.41
WILLIAMSBURG$3,273.67
LAMPE$3,273.86
POPLAR BLUFF$3,274.85
STRASBURG$3,274.91
DENVER$3,275.94
BRANDSVILLE$3,276.02
AVA$3,278.05
NEELYVILLE$3,280.02
PINEVILLE$3,280.11
EAGLE ROCK$3,280.25
MARBLE HILL$3,281.40
OSAGE BEACH$3,281.50
POINT LOOKOUT$3,281.60
LAURIE$3,281.74
WELLSVILLE$3,283.15
MONTGOMERY CITY$3,283.83
NEW FLORENCE$3,284.03
FISK$3,285.39
EDWARDS$3,286.22
CAPE GIRARDEAU$3,286.80
SUNRISE BEACH$3,286.82
WORTH$3,286.82
GALLATIN$3,287.57
SHERIDAN$3,288.53
BROSELEY$3,288.94
SAGINAW$3,289.00
VANZANT$3,289.99
GALENA$3,290.16
CAMDEN POINT$3,290.93
ROCKY MOUNT$3,290.96
MOODY$3,291.11
SAINT PETERS$3,291.39
GOLDEN$3,292.04
RACINE$3,292.24
BELLFLOWER$3,293.22
ASH GROVE$3,293.34
STURDIVANT$3,294.79
RHINELAND$3,294.80
KAISER$3,295.17
SPRINGFIELD$3,295.79
MORRISON$3,295.86
ANNADA$3,296.47
OLDFIELD$3,297.74
BLAND$3,297.84
WALNUT GROVE$3,297.90
GRAVOIS MILLS$3,300.13
SPARTA$3,302.04
PATTON$3,302.62
CAMDEN$3,302.63
DRURY$3,304.70
PONCE DE LEON$3,304.85
RAYVILLE$3,305.47
ROCKY COMFORT$3,305.68
ZALMA$3,306.89
POWELL$3,307.04
FARLEY$3,307.33
OWENSVILLE$3,308.16
ANDERSON$3,308.73
CHESTNUTRIDGE$3,310.17
ROCKAWAY BEACH$3,311.01
LANAGAN$3,312.16
WESTON$3,312.19
MARQUAND$3,312.40
EASTON$3,312.43
BRADLEYVILLE$3,312.45
WALNUT SHADE$3,312.70
CAPE FAIR$3,312.75
OLEAN$3,312.89
WINDYVILLE$3,313.57
LONE JACK$3,313.60
FORSYTH$3,314.01
ELDON$3,314.49
CHADWICK$3,315.01
CEDARCREEK$3,315.40
PARK HILLS$3,315.91
SPOKANE$3,316.56
DEARBORN$3,317.85
CROSS TIMBERS$3,318.20
LEOPOLD$3,318.49
BRUNER$3,319.33
PROTEM$3,319.96
TURNEY$3,320.32
FREDERICKTOWN$3,320.67
QULIN$3,320.75
TANEYVILLE$3,321.49
ODESSA$3,322.20
GREENWOOD$3,324.27
BRUMLEY$3,324.65
SEDGEWICKVILLE$3,324.71
WRIGHT CITY$3,325.25
PECULIAR$3,325.79
AGENCY$3,326.22
SENECA$3,326.96
KNOB LICK$3,327.38
HERMANN$3,327.71
ROACH$3,327.83
TROY$3,327.97
BARNETT$3,327.98
CAULFIELD$3,329.15
#N/A$3,329.95
KOSHKONONG$3,330.04
FAGUS$3,331.70
ROMBAUER$3,331.82
$3,333.60
SMITHVILLE$3,334.88
EDGERTON$3,336.01
POWERSITE$3,336.33
LAWSON$3,338.89
GARRISON$3,339.37
TUSCUMBIA$3,341.05
WARRENTON$3,344.78
SAINT JOSEPH$3,344.83
TRIMBLE$3,346.18
HARDENVILLE$3,347.28
DE KALB$3,347.31
ROSEBUD$3,347.78
ORRICK$3,347.83
BIRCH TREE$3,347.90
RUETER$3,348.99
BATES CITY$3,349.11
GRAIN VALLEY$3,350.50
EXCELSIOR SPRINGS$3,351.20
BRANSON$3,351.93
NAPOLEON$3,353.00
RAYMORE$3,353.04
ULMAN$3,353.88
SQUIRES$3,355.32
PLATTSBURG$3,355.96
HARVIELL$3,356.09
DORA$3,356.31
GOWER$3,356.64
KISSEE MILLS$3,356.92
MONTIER$3,357.34
LATHROP$3,358.67
WENTZVILLE$3,359.00
ZANONI$3,359.80
BRIXEY$3,360.17
KIRBYVILLE$3,361.23
ROCKBRIDGE$3,363.43
WINONA$3,365.36
LEADWOOD$3,365.92
FAUCETT$3,366.94
CASCADE$3,369.35
FLINTHILL$3,369.64
GAINESVILLE$3,370.24
WAPPAPELLO$3,370.98
FREMONT$3,372.64
THAYER$3,374.53
RUSHVILLE$3,375.51
BLUE SPRINGS$3,375.57
VAN BUREN$3,375.61
KEARNEY$3,376.91
LEES SUMMIT$3,378.05
ARCADIA$3,379.08
NAYLOR$3,379.17
OXLY$3,379.80
TECUMSEH$3,381.31
VIBURNUM$3,383.01
HOLT$3,384.99
NEW HAVEN$3,387.55
NOBLE$3,387.78
SULLIVAN$3,388.22
BRIAR$3,388.36
MC GEE$3,388.40
PONTIAC$3,389.59
EMINENCE$3,392.88
HAWK POINT$3,393.93
MOSBY$3,395.40
BLOOMSDALE$3,395.62
WASHINGTON$3,396.50
MYRTLE$3,397.50
PIEDMONT$3,397.64
WHITESIDE$3,397.69
LAKE SAINT LOUIS$3,399.01
BAKERSFIELD$3,399.05
BELTON$3,400.12
O FALLON$3,400.14
LIBERTY$3,401.94
VULCAN$3,402.98
BISMARCK$3,404.30
LODI$3,404.42
LOWNDES$3,404.44
MOUNT STERLING$3,404.65
THEODOSIA$3,407.68
DES ARC$3,408.94
DOE RUN$3,414.89
WASOLA$3,415.93
ELLSINORE$3,416.04
GREENVILLE$3,416.50
MOSCOW MILLS$3,418.24
SILEX$3,418.80
SILVA$3,420.62
WALDRON$3,421.17
BUNKER$3,421.33
OAK GROVE$3,421.99
GATEWOOD$3,422.96
GRANDIN$3,423.02
WILLIAMSVILLE$3,423.87
ISABELLA$3,424.28
OLD MONROE$3,424.83
IRONTON$3,425.04
SAINT CHARLES$3,426.16
CLUBB$3,430.36
OLNEY$3,430.83
FAIRDEALING$3,433.48
THORNFIELD$3,434.04
MILL SPRING$3,434.61
BONNE TERRE$3,435.01
DONIPHAN$3,435.66
UDALL$3,436.51
FOLEY$3,438.45
RIVERSIDE$3,440.30
STANTON$3,440.93
COUCH$3,441.10
PATTERSON$3,444.21
PILOT KNOB$3,448.67
DUTZOW$3,449.29
BIXBY$3,450.59
MISSOURI CITY$3,455.93
ELSBERRY$3,460.53
POTOSI$3,472.29
ANNAPOLIS$3,472.74
WINFIELD$3,473.27
ALTON$3,473.62
BELGRADE$3,484.08
IRONDALE$3,485.63
VALLES MINES$3,486.44
TRELOAR$3,487.18
GERALD$3,488.50
BERGER$3,493.71
TRUXTON$3,496.10
BLACKWELL$3,497.55
FORISTELL$3,498.50
SIBLEY$3,505.09
BELLEVIEW$3,506.56
LESLIE$3,507.33
ELLINGTON$3,508.34
TIFF$3,512.37
BEAUFORT$3,513.17
LESTERVILLE$3,513.60
UNION$3,514.54
LEVASY$3,515.59
CADET$3,517.18
MINERAL POINT$3,517.77
REDFORD$3,519.26
NEW MELLE$3,523.72
MARTHASVILLE$3,527.61
BLACK$3,533.96
MIDDLE BROOK$3,534.43
REYNOLDS$3,535.55
CALEDONIA$3,535.84
FRENCH VILLAGE$3,536.26
VALLEY PARK$3,543.21
BUCKNER$3,544.38
RICHWOODS$3,552.27
PORTAGE DES SIOUX$3,563.98
EUREKA$3,564.04
FLETCHER$3,566.98
CENTERVILLE$3,567.17
FESTUS$3,575.59
DEFIANCE$3,583.79
HEMATITE$3,584.00
AUGUSTA$3,586.11
SAINT CLAIR$3,591.01
LABADIE$3,614.81
PEVELY$3,619.77
WEST ALTON$3,621.76
CRYSTAL CITY$3,622.56
FENTON$3,633.20
VILLA RIDGE$3,635.79
MARYLAND HEIGHTS$3,644.64
INDEPENDENCE$3,653.38
GRAY SUMMIT$3,653.65
DE SOTO$3,657.81
PACIFIC$3,661.75
HERCULANEUM$3,664.26
BALLWIN$3,672.62
CHESTERFIELD$3,675.96
GRUBVILLE$3,676.20
GRANDVIEW$3,678.09
IMPERIAL$3,686.80
SAINT ALBANS$3,687.33
GROVER$3,705.75
BARNHART$3,707.35
KIMMSWICK$3,709.44
MAPAVILLE$3,715.77
GLENCOE$3,719.75
EARTH CITY$3,721.84
MORSE MILL$3,724.34
LIGUORI$3,727.60
BRIDGETON$3,733.09
HOUSE SPRINGS$3,734.31
ROBERTSVILLE$3,740.19
LONEDELL$3,743.79
ARNOLD$3,747.88
HILLSBORO$3,750.56
HIGH RIDGE$3,751.93
DITTMER$3,763.22
CATAWISSA$3,763.87
KANSAS CITY$3,779.78
LUEBBERING$3,791.75
CEDAR HILL$3,828.32
SAINT ANN$3,891.60
HAZELWOOD$4,100.07
FLORISSANT$4,250.87
SAINT LOUIS$4,360.93

Again, the most expensive area in Missouri is in St. Louis, and the cheapest area is in Sedalia.

Keep in mind; these statistics are all averages. If you have a good driving record, and excellent credit, your rates will be cheaper. If you have bad credit and accident’s DUI’s or tickets, your rates will be much more expensive.

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Best Car Insurance Companies in Missouri

Let’s break down the best companies in Missouri and the entire United States. You can decide for yourself which is best for you. Instead of searching for hours on the internet, you can find all your data in one place. Doing your search for the right company short, sweet, and to the point.

In the next sections, we’ll give you all the data you need to choose the best company for you.

The Largest Companies’ Financial Rating

Financial ratings may seem a bit excessive to your life, but when it comes to auto insurance, these ratings can help a lot. The insurance companies don’t pay the companies that come out with financial ratings, so they are unbiased.

Each year AM Best releases a set of ratings that determine the top companies in the auto insurance game. They give a grade to each company which can help you choose from the best.

COMPANYA.M. BEST RATING
GeicoA++
State FarmA++
USAAA++
AllstateA+
ProgressiveA+
FarmersA
Liberty MutualA
Travelers GroupA

Companies with high ratings pay claims more often and quicker. They also have better customer service and rates in most cases.

Companies With The Best Ratings

JD Power is the most trusted name in insurance ratings and many other fields. They release awards yearly to the top companies in each state and the entire nation.

USAA is in its category according to JD Power. The highest-rated insurance in the North Central region is Westfield Insurance Company.

Cheapest Companies in Missouri

Rates are an essential part of car insurance. Saving money is always a good thing, so knowing the lowest prices and what companies in Missouri have them can help a ton.

In the following sections, we will break down the rates by different factors, including commute, coverage levels, and credit history.

This will help you decide which company is best for you, and which coverage plans that the company offers that best fits your needs.

Commute Rates By Company

GroupCommute_And_Annual_MileageAnnual Average
Liberty Mutual10 miles commute. 6000 annual mileage.$4,518.67
Liberty Mutual25 miles commute. 12000 annual mileage.$4,518.67
Farmers10 miles commute. 6000 annual mileage.$4,312.19
Farmers25 miles commute. 12000 annual mileage.$4,312.19
Allstate10 miles commute. 6000 annual mileage.$4,096.15
Allstate25 miles commute. 12000 annual mileage.$4,096.15
Progressive10 miles commute. 6000 annual mileage.$3,419.14
Progressive25 miles commute. 12000 annual mileage.$3,419.14
American Family25 miles commute. 12000 annual mileage.$3,319.49
American Family10 miles commute. 6000 annual mileage.$3,254.30
GEICO25 miles commute. 12000 annual mileage.$2,940.17
GEICO10 miles commute. 6000 annual mileage.$2,830.47
State Farm25 miles commute. 12000 annual mileage.$2,758.65
State Farm10 miles commute. 6000 annual mileage.$2,627.16
USAA25 miles commute. 12000 annual mileage.$2,617.25
USAA10 miles commute. 6000 annual mileage.$2,434.31
Nationwide10 miles commute. 6000 annual mileage.$2,265.35
Nationwide25 miles commute. 12000 annual mileage.$2,265.35

Many different factors go into determining each separate person’s auto insurance rates. One of the most important is the commute rates. The more you are on the road, the more opportunity there is to be an insurance-related incident such as an accident, a ticket, etc.

As you can see in the table, most companies in Missouri don’t raise their rates at all. Some increase them by only $50 or so. Assure you are getting the best rate possible by not being overcharged for longer commute time.

Credit History Rates By Company

Another critical factor in determining your rates is your credit history. This is perhaps the most important when it is legal to do so.

The difference between mediocre and good credit can mean upwards of $4000. This table breaks down the most expensive to the cheapest rates for each top company by what drivers credit history.

The most competitive company in Mississippi is State Farm when it comes to credit history, but even they inflate charges by up to two thousand dollars when you have poor credit.

GroupCredit_HistoryAnnual Average
Liberty MutualPoor$6,486.70
AllstatePoor$5,651.36
FarmersPoor$4,926.22
American FamilyPoor$4,294.74
USAAPoor$4,212.99
FarmersFair$4,105.51
GEICOPoor$3,984.44
ProgressivePoor$3,964.53
Liberty MutualFair$3,955.62
FarmersGood$3,904.85
State FarmPoor$3,688.05
AllstateFair$3,635.18
ProgressiveFair$3,275.50
Liberty MutualGood$3,113.69
American FamilyFair$3,021.03
ProgressiveGood$3,017.40
AllstateGood$3,001.92
NationwidePoor$2,672.67
GEICOFair$2,595.41
American FamilyGood$2,544.91
State FarmFair$2,409.46
NationwideFair$2,206.14
GEICOGood$2,076.11
State FarmGood$1,981.21
USAAFair$1,960.03
NationwideGood$1,917.26
USAAGood$1,404.32

Keeping track of your credit is essential. How many accounts you have and how much debt is on each of those accounts affects your credit score a great deal.

Missouri is about average when it comes to Experian’s credit history ratings. According to their findings, Missouri’s average credit score is 675. They average just under three credit cards a person as well.

Coverage Level Rates by Company

Coverage levels are very different. They are broken down in three groups; low coverage, which is usually the bare minimum, medium coverage, and high coverage.

Each company charges based on what they cover so within each bracket; some companies may include more or less.

More often than not, you can find a company that charges the same amount for a medium coverage that another does for minimum or low coverage. Assure you know what is being covered by your company.

GroupCoverage_TypeAnnual Average
Liberty MutualHigh$4,752.13
FarmersHigh$4,628.06
Liberty MutualMedium$4,540.46
FarmersMedium$4,270.52
Liberty MutualLow$4,263.43
AllstateHigh$4,254.90
AllstateMedium$4,087.71
FarmersLow$4,037.99
AllstateLow$3,945.84
ProgressiveHigh$3,773.22
ProgressiveMedium$3,427.58
American FamilyMedium$3,390.79
American FamilyHigh$3,280.93
American FamilyLow$3,188.97
ProgressiveLow$3,056.63
GEICOHigh$3,049.96
GEICOMedium$2,906.16
State FarmHigh$2,852.45
State FarmMedium$2,702.01
GEICOLow$2,699.84
USAAHigh$2,640.50
State FarmLow$2,524.26
USAAMedium$2,517.25
USAALow$2,419.58
NationwideHigh$2,381.67
NationwideMedium$2,286.38
NationwideLow$2,128.01

Choose carefully which level is best for you. If you have a long history of excellent driving, then low coverage may be all you need.

Driving Record Rates By Company

GroupDriving_RecordAnnual Average
Liberty MutualWith 1 speeding violation$5,222.59
AllstateWith 1 DUI$4,932.33
Liberty MutualWith 1 DUI$4,857.97
Liberty MutualWith 1 accident$4,711.37
FarmersWith 1 accident$4,635.57
FarmersWith 1 DUI$4,533.97
FarmersWith 1 speeding violation$4,343.83
American FamilyWith 1 DUI$4,323.36
AllstateWith 1 speeding violation$3,976.44
AllstateWith 1 accident$3,963.68
ProgressiveWith 1 accident$3,960.21
GEICOWith 1 DUI$3,930.78
FarmersClean record$3,735.40
American FamilyWith 1 accident$3,548.51
AllstateClean record$3,512.16
ProgressiveWith 1 speeding violation$3,467.90
USAAWith 1 DUI$3,399.34
ProgressiveWith 1 DUI$3,283.46
Liberty MutualClean record$3,282.75
NationwideWith 1 DUI$3,045.90
ProgressiveClean record$2,965.00
GEICOWith 1 accident$2,917.03
State FarmWith 1 accident$2,909.75
American FamilyWith 1 speeding violation$2,810.96
State FarmWith 1 DUI$2,692.90
State FarmWith 1 speeding violation$2,692.90
State FarmClean record$2,476.06
American FamilyClean record$2,464.75
USAAWith 1 accident$2,457.96
GEICOWith 1 speeding violation$2,441.95
NationwideWith 1 accident$2,284.19
GEICOClean record$2,251.53
USAAWith 1 speeding violation$2,215.48
USAAClean record$2,030.33
NationwideWith 1 speeding violation$1,949.48
NationwideClean record$1,781.84

Your driving is another of the most important factors in your auto insurance rates. A poor driving record can earn you thousands annually added to your rates. Some companies won’t insure you at all.

DUI’s are a sure-fire way to ruin your affordable auto insurance rates no matter what coverage you have.

In Missouri, Geico raises rates from a clean record to one DUI, by over $2,000.

Number of Insurers in Missouri

This section refers to the number of different insurance companies that you can be insured by in the state.

In Missouri, there are 43 domestic insurers and 900 foreign insurers offering their services to consumers and bringing the total to 943 insurers. That’s a lot of companies to choose from, that’s why we’re here to help.

Domestic insurers are located in Minnesota, while foreign insurers are located in another state. Foreign does not refer to out of the country.

Missouri State Laws

Laws in every state are confusing and difficult to read. Using language that is as dense as it gets is the specialty of our lawmakers. Breaking down the essential laws in plain language can help you with every part of your life but especially when it comes to shopping for car insurance.

In the following section, we’ll break down the inner workings of the state laws that matter to you.

Car Insurance Laws

Let’s start by taking a look at the laws that directly affect car insurance. These are the most important pertaining to what you need to know.

How State Laws for Car Insurance Are Determined

As in most states, auto insurance laws are determined, reviewed, and passed by the legislature of the state.

Insurance is regulated on a state level, and states use different tactics to control the rates that companies are allowed to charge its buyers. According to the NAIC, Missouri uses the “use and file” system to determine rates in the state. This means that insurance companies can give you a set rate and then they are allowed to file it later on.

Some believe this system allows insurance companies to make up whatever rates they wish. As opposed to the prior approval system in which rate quotes must be approved before they are set to drivers.

Windshield Coverage

Windshields are an annoyance. Chips, cracks, and breaks are unavoidable when driving on the road. Especially if you have a long commute, it happens to everyone. But for some reason, every state has weird laws about windshields.

In Missouri, insurance companies will restrict which companies you can choose to repair your windshield. If you have a company repair your windshield and your insurance doesn’t accept that company, they will fight you not to cover it.

High-Risk Insurance

High-risk insurance covers the individual drivers with past driving violations, inexperience behind the wheel, or poor credit.

Any of these could have you paying a lot more for car insurance than the average person with a clean record. Some companies won’t insure a high-risk driver at all, but most large companies will take a risk and just overcharge.

Low-Cost Insurance

Missouri does make you pay for being a high-risk driver, but they, unfortunately, do not have an inexpensive program.

The only states that have government-funded programs are California, Hawaii, and New Jersey. These programs are built to help low-income families be able to protect themselves while they drive.

Automobile Insurance Fraud in Missouri

Insurance fraud can be committed in several ways, but the primary way is filing a claim that did not happen and expecting a payout from it.

Some other ordinary fraud acts are misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered, and staging accidents.

Insurance fraud is against the law in every state. In Missouri, insurance fraud is a felony, punishable by up to four years in jail and up to $50,000 in fines. There’s also restitution, court costs, and lawyer’s fees to pay.

Statute of Limitations

A statute of limitation is a standard that there is a period for the bringing of certain kinds of legal action. This means that people affected have a certain amount of time to pursue legal action.

For example, if a driver gets in an accident and five years later decides they were hurt in that accident; the statute of limitations prohibits that person from pursuing legal action because it’s been too long since the date of the crash.

The Missouri state laws for personal injury and property damage are both five years.

State Specific Laws

Most of the insurance laws have already been covered, so we’ve compiled some information on prevailing laws throughout Missouri.

In most states, seat-belt violations are punishable by an immediate ticket, and you are allowed to be pulled over just for not wearing a seat belt; but not in Missouri.

Missouri is one of the few states where not wearing a seat belt is something police cannot pull you over for. If you are not wearing one when you are pulled over for something else, that is the only time you can be cited.

Vehicle Licensing Laws

As in most states, vehicle licensing laws are handled in Missouri by the DMV. There are a lot of different rules and regulations to know about, but these are the most important ones to keep in mind. Knowing these could help you out in your shopping for insurance.

Real ID

According to Homeland Security, The Real ID Act establishes security standards for license issuance and production. This prohibits Federal agencies from accepting driver’s licenses and ID cards from states not meeting the Act’s minimum standards.

Missouri is compliant with the Real ID Act. Federal agencies can accept driver’s licenses and identification cards from Missouri at Federal facilities.

If you have a Real ID license it will be noted by a star on your driver’s license.

Penalties for Driving Without Insurance

The penalties for driving without insurance in Missouri are as follows:

  • Four points against the driving record
  • The driver may be supervised
  • Suspended until proof of insurance with $20 reinstatement fee

These are just for the first offense, but in general, Missouri is a relaxed state when it comes to uninsured motorists. Having the right insurance can assure your safety.

Missouri allows different types of proof of insurance, which include the original paper copy and electronic evidence as well. As long as your proof of insurance displays the following things, it is usually accepted:

  • Make
  • Model
  • Year
  • Safety Rating
  • Value
  • Your name and the name of any other drivers under that policy
  • Expiration date

As long as you have this, you will never run into any issues.

Teen Driver Laws

Teens are inexperienced drivers and have to learn as they go on the road. Some are reckless and speed everywhere, while others are too scared to get behind the wheel at all.

Missouri, like nearly every state, eases teens into the process of driving alone. First, when they are 15, they must have a driving permit for a year. Then, when they turn 16, they must drive with a parent at night for six months. There are no restrictions except for some minor passenger laws.

This has been proven to help causes a little, but teens are still the highest risk drivers on the road. This is why their car insurance is so much higher than any other age.

Older Driver License Renewal Procedures

Older drivers can be hazardous. It is a heavily debated topic as to how often older people must renew their licenses and how long they should be able to drive in general.

Each state has general laws that state how long between renewals you have, and vision test requirements.

In Missouri, licenses are renewed every three years for drivers over the age of 70. Vision must be tested every time you renew in person.

Many believe the U.S. is not strict enough on elderly drivers.

New Residents

New residents are always welcome in through Route 66, but if you are a new resident, we hope you did your homework on the expenses of car insurance in the state.

New residents are required to purchase insurance within 90 days, other than that all other laws apply to new residents as current residents. For minimum requirements, see the above sections.

License Renewal Procedures

Renewal drivers ages 18-20 are issued a three-year driver license that will expire on the applicant’s date of birth in the third year after the date of issuance. From ages, 21-69 applicants get a six-year license.

Rules of the Road

Rules of the roads we drive on can get a bit complex. Here’s a comprehensive look at some of the most important, so you can be sure you know them.

Some are straight forward and act as a reminder while others are things drivers often forget and need be repeated. For most road laws, the IIHS website is a convenient place to visit.

Fault Vs. No-Fault

Missouri follows the traditional “at-fault” system when it comes to responsibility for losses stemming from a car accident. This includes damage, injury, and any other occurrence.

At-fault car insurance means that the person who was at fault for causing a car accident is also responsible for any ensuing harm.

The at-fault driver’s insurance carrier will absorb these losses, up to policy limits; but after that, it comes straight out of the pocket of the at-fault driver for bodily injury, vehicle damage, etc. This is the most common and much more straightforward system compared to the “no-fault” system.

No-fault insurance means that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum for any injuries that occur.

Seat Belts and Car Seat Laws

Road safety is a vitally important part of everyday life that can get forgotten about quickly. Seat belts are the most accessible tool for keeping yourself and your family safe. It does not take work and can save countless lives.

Unfortunately, Missouri is not extremely worried about seat-belt laws. As mentioned before, the only thing officers can do about not wearing a seat-belt is if you are pulled over for something else.

Keep Right And Move Over Laws

These laws are becoming more and more prevalent on the roads today. Slow traffic keeps congestion at a maximum and accidents more likely.

The keep right law states that slower traffic must keep right in all instances. This is not only for safety for all drivers but also to keep the flow of traffic moving and limit commutes.

The move-over law states that if you are in the left lane and a car comes up behind you going faster than you are, that you must switch lanes. Just like the keep right law, this keeps traffic moving at a much faster pace and keeps all drivers much safer.

Speeding

Speeding is perhaps the deadliest thing you can do on the road. In today’s world, it has become a regular occurrence.

In Missouri, rural interstates are posted at 70 mph. Urban interstates are at 60 mph, and any other three-lane highway is 65 mph.

Ridesharing

Uber and Lyft are becoming very popular; the only thing to worry about with those is to assure the driver is adequately insured. If you are driving for a ridesharing service, some companies will not guarantee you when you are doing so. Be careful what company covers what if you plan on being a rideshare driver.

In Missouri and the majority of the United States, most major insurers cover ridesharing. Here is a list of the ones who do:

  • Allstate
  • Farmers
  • Liberty Mutual
  • State Farm
  • USAA

Automation On The Road

With the technological advances of the 21st century, there has been more and more talk about automated cars. In Michigan, automated cars are allowed to be on the road, depending on the vehicle, but the operator must be licensed and insured.

Safety Laws

Some more laws that you need to remember when it comes to insurance are safety laws. There are a lot of different safety regulations that are simply meant to help everyone be better on the roads.

DUI Laws

The legal limit across the United States is 0.08, but now many states are starting to give out tickets for “buzzed driving” as well. This is considered to be around the 0.05 range. They cannot legally detain you, but it is now becoming a fineable offense.

The penalty for driving under the influence in Missouri is taken higher each offense. The penalties can reach upwards of two years in jail, 10 years suspended license, and a whopping $12,000 fine.

Driving under the influence is a severe crime and cannot be taken lightly. Responsibilty.org help people to realize the devastating statistics behind it.

Marijuana Impaired Driving Laws

Marijuana is not yet legal in the state of Missouri, so it is still fineable and illegal; However, there is no specific law against driving while on marijuana.

Distracted Driving Laws

Distracted driving is becoming an epidemic. From shaving, while you’re driving late to work, to playing solitaire on your phone and driving.

Laws against distracted driving are being changed yearly. The penalties are becoming worse because the epidemic is becoming worse.

Unfortunately, Missouri is reasonably relaxed on these laws as well. Texting and driving are banned completely for only drivers below the age of 21. Other than that, Missouri has no laws against distracted driving.

Driving in Missouri

Driving can be exhilarating. It can also be a scary thing.

So, how do you stay safe? How do you keep your insurance rates falling and out of trouble? Knowing the statistics is usually the answer. But it can be hard to make sense of all of them.

In this section, we’ll break down the stats, facts, and how to keep yourself in the know, so you have the facts for your insurance shopping.

Vehicle Theft in Missouri

Vehicle theft is a growing issue in the United States. In some cities, it is worse than others, so the state data as a whole can be a bit bothersome.

RankMake/ModelYear of VehicleThefts
1Ford Pickup (Full Size)2004880
2Chevrolet Pickup (Full Size)2000783
3Dodge Caravan2003465
4Dodge Pickup (Full Size)2001410
5Chevrolet Impala2008369
6Jeep Cherokee/Grand Cherokee1998289
7Honda Accord1997274
8Ford Taurus2002250
9Chevrolet Malibu2015243
10Toyota Camry2014236

Road Fatalities in Missouri

Of the over 6 million people living in Missouri, there 930 deaths in 2017. This is right around average percentage-wise compared to the rest of the nation.

In the United States as a whole, there were 34,247 fatal motor vehicle crashes in 2017 in which 37,133 deaths occurred.

Fatalities: Five Year Trend for the Top 10 Counties

RankCounty20132014201520162017
1Jackson County72608289111
2St. Louis County5053697886
3St. Louis City4437506356
4St. Charles County1624252737
5Jefferson County2236303935
6Greene County2823284432
7Newton County82661421
8Phelps County85131321
9Platte County12971321
10Clay County1918202019

County to county fatalities can be telling for where the most dangerous areas are. Some counties have strictly rural roads and will have more single-vehicle crashes. While other counties that have large cities in them may have more multiple car pile-ups.

Be careful though; these trends can be based merely on population numbers. There is always going to be more accident, the more cars that are on the road.

The county with the most fatalities in every year between 2013-2017 was Jackson with 111 fatalities in 2017. St. Louis was next with 86 fatalities in 2017.

Rural Vs. Urban Fatality Rates

Rural vs. Urban Fatalities in Missouri20132014201520162017
Rural459471497553465
Urban298295372394465

On rural roads, the dangers involve bad roads, no lighting on roads, wild animals, etc. But the dangers of urban roads involve pedestrians, motorcycles, traffic, etc. The dangers from rural to urban area roads are very different.

In 2016 there were 553 rural deaths, compared to 394 urban deaths.

Fatalities By Vehicle Type

Vehicle type refers to the kind of vehicle that is being driven when the fatality occurs. This can be passenger vehicles, pick-up trucks, semi-trucks, etc.

In Missouri, like all states in the U.S., the most fatalities occurred in passenger vehicles. This has to do with the sheer amount of passenger cars on the road. Of the 930 fatalities in 2017, 666 of them were passenger vehicles.

Fatalities By Crash Type

Fatalities by Crash Type20132014201520162017
Total Fatalities757766870947930
Single Vehicle455437486539512
Involving a Large Truck85100105113111
Involving Speeding308267309328346
Involving a Rollover258259306307280
Involving a Roadway Departure498465481566543
Involving an Intersection 130132184193179

Crash types include how the fatality happened. It includes anything from rollovers to crashes involving an intersection.

In Missouri in 2017, 512 of the 930 fatalities were single-vehicle crashes. This is a consistent number with the rest of the U.S. Again, the more cars on the road, the more opportunities for fatal crashes.

Fatalities Involving Speeding By County

Speeding is deadly. Next to drinking while driving speeding can endanger everyone around you and make you unable to control the vehicle in a proper way. Speeding is becoming a part of life in many states, and that needs to change.

In Missouri, 346 of the 930 fatalities were due to speeding. That is nearly 100 more deaths than drunk driving caused at 254.

Fatalities Involving an Alcohol-Impaired Driver

As mentioned before, there were 254 alcohol-impaired driving fatalities in 2017 in Missouri. Most of those deaths came in rural areas in which roads were dark and made it even more difficult to drive.

Teen Drinking and Driving

Drinking while driving should never be done no matter what age. But underage teen driving under the influence is becoming more of an issue in the past years.

Stanford Children’s Health found that the leading cause amongst teens is alcohol-impaired driving.

Transportation

Transportation is important to talk about when it comes to auto insurance. In the next sections, we’ll talk about how many cars are on the road, commute times, and how much traffic there is in the great state of Missouri.

Car Ownership

About 42 percent of all Missourians own two cars. Similar to the rest of the United States, this is the most percentage of car ownership. This statistic is so consistent because the majority of households in the U.S. contain two adults (parents).

Commute Time

Commute times are important. Traffic congestion can raise your rates. For example, in Los Angeles, California; the rates for car insurance based on traffic congestion are going to be much higher than those in Montana.

In Missouri, over 17 percent of commuter has a 15-19 minute drive. This is a great statistic. A 15-minute commute is some of the lowest in the country. Missouri averages a 22 minute commute time, which is also on the lower end.

An average 22 minute commute time means less traffic for you. According to Inrix, Kansas City is the most congested city in Missouri but is ranked the 198th most congested city in the world. To put it plainly, traffic is not a huge concern for most Missouri natives.

Commuter Transportation

Over 80 percent of commuters travel alone to work in Missouri. The national average is around 76 percent. This is a straight forward statistic that is quite obvious. Other than carpoolers, most people don’t have company when they drive to work.

Conclusion

Missouri is home to a long, rich automotive history. Home to the old motels and gas stations of historic Route 66. It is a place filled with America’s pride in their vehicles.

Come catch a ball game at Busch Stadium and watch one of the most sought after baseball teams in history. Grab a hot dog and a beer, and you will know what Missouri has to offer. Take a drive through the Ozark forest. Remember what this world used to be like, remind yourself how amazing our land is.

Auto insurance has become an important part of life in the 21st century. Be sure to know you’re choosing the right insurance for you and your family.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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